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Directive (EU) 2023/2225 (CCD2)

Preamble
Recitals 98
Chapter I - GENERAL PROVISIONS (Article 1-6) 6
Chapter II - INFORMATION TO BE PROVIDED PRIOR TO THE CONCLUSION OF THE CREDIT AGREEMENT (Article 7-13) 7
Chapter III - TYING AND BUNDLING PRACTICES, INFERRED AGREEMENT, ADVISORY SERVICES AND UNSOLICITED GRANTING OF CREDIT (Article 14-17) 4
Chapter IV - ASSESSMENT OF CREDITWORTHINESS AND DATABASE ACCESS (Article 18-19) 2
Chapter V - FORM AND CONTENT OF CREDIT AGREEMENTS (Article 20-21) 2
Chapter VI - MODIFICATIONS OF THE CREDIT AGREEMENT AND CHANGES IN THE BORROWING RATE (Article 22-23) 2
Chapter VII - OVERDRAFT FACILITIES AND OVERRUNNING (Article 24-25) 2
Chapter VIII - WITHDRAWAL, TERMINATION AND EARLY REPAYMENT (Article 26-29) 4
Chapter IX - ANNUAL PERCENTAGE RATE OF CHARGE AND MEASURES TO LIMIT RATES AND COSTS (Article 30-31) 2
Chapter X - CONDUCT OF BUSINESS OBLIGATIONS AND REQUIREMENTS FOR STAFF (Article 32-33) 2
Chapter XI - FINANCIAL EDUCATION AND SUPPORT TO CONSUMERS IN FINANCIAL DIFFICULTIES (Article 34-36) 3
Chapter XII - CREDITORS AND CREDIT INTERMEDIARIES (Article 37-38) 2
Chapter XIII - ASSIGNMENTS OF RIGHTS AND DISPUTE RESOLUTION (Article 39-40) 2
Chapter XIV - COMPETENT AUTHORITIES (Article 41) 1
Chapter XV - FINAL PROVISIONS (Article 42-50) 9
Annexes 4
- Annex I
- Annex II
- Annex III
- Annex IV

total cost of the credit to the consumer

Defined in Article 3, Directive (EU) 2023/2225 (CCD2)

Definitions over time (1)

19/11/2023 – today applies on 11/11/2026 Article 3, Directive (EU) 2023/2225 (CCD2) Scope: Whole act

For the purposes of this Directive, the following definitions apply:

‘total cost of the credit to the consumer’ means all the costs, including interest, commissions, taxes and any other kind of fees which the consumer is required to pay in connection with the credit agreement and which are known to the creditor, except for notarial costs; costs in respect of ancillary services relating to the credit agreement, in particular insurance premiums, are also included in the total cost of the credit to the consumer where, in addition, the conclusion of a contract regarding such ancillary services is compulsory in order to obtain the credit or to obtain it on the terms and conditions marketed;

Used in (15 places in 9 provisions on 11/11/2026)

Directive (EU) 2023/2225 (CCD2) (15 in 9)

Recital 39 · Recital 52 · Recital 70² · Recital 73 · Article 3⁴ · Article 8 · Article 9² · Article 29 · Article 30²