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Consumer Credit Directive

Preamble
Recitals 51
Chapter I - SUBJECT MATTER, SCOPE AND DEFINITIONS (Article 1-3) 3
Chapter II - INFORMATION AND PRACTICES PRELIMINARY TO THE CONCLUSION OF THE CREDIT AGREEMENT (Article 4-8) 5
Chapter III - DATABASE ACCESS (Article 9) 1
Chapter IV - INFORMATION AND RIGHTS CONCERNING CREDIT AGREEMENTS (Article 10-18) 11
Chapter V - ANNUAL PERCENTAGE RATE OF CHARGE (Article 19) 1
Chapter VI - CREDITORS AND CREDIT INTERMEDIARIES (Article 20-21) 2
Chapter VII - IMPLEMENTING MEASURES (Article 22-28) 7
Chapter VIII - TRANSITIONAL AND FINAL PROVISIONS (Article 29-32) 4
Annexes 3
Amending acts 5

borrowing rate

Definitions over time (1)

11/06/2008 – 21/06/2008 Article 3, Consumer Credit Directive Scope: Whole act

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

‘borrowing rate’ means the interest rate expressed as a fixed or variable percentage applied on an annual basis to the amount of credit drawn down;

Other definitions of this term in this act (1)

Each has its own scope, dates and uses. Open one to see when it applies.

Article 3(j)

Used in (0 places in 0 provisions on 12/11/2026)

No text uses this concept on 12/11/2026.