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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

linked credit agreement

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

Definitions over time (1)

19/11/2023 – today applies on 12/11/2026 Article 3, Directive (EU) 2023/2225 (CCD2) Scope: Whole act

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

‘linked credit agreement’ means a credit agreement where: the credit or services in question serve exclusively to finance an agreement for the supply of specific goods or the provision of a specific service; and those two agreements form, from an objective point of view, a commercial unit; a commercial unit shall be deemed to exist where the supplier of goods or the provider of services himself or herself finances the credit for the consumer or, if it is financed by a third party, where the creditor uses the services of the supplier of goods or the provider of services in connection with the marketing, conclusion or preparation of the credit agreement, or where the specific goods or the provision of a specific service are explicitly specified in the credit agreement;

Used in (16 places in 11 provisions on 12/11/2026)

Directive (EU) 2023/2225 (CCD2) (16 in 11)

Recital 14² · Recital 66 · Recital 67³ · Recital 79 · Article 3 · Article 10 · Article 11 · Article 21 · Article 26² · Article 27² · Article 35