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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

credit intermediary

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:

‘credit intermediary’ means a natural or legal person that is not acting as a creditor or notary and not merely introducing, either directly or indirectly, a consumer to a creditor, and who, in the course of that person’s trade, business or profession, for remuneration, which may take a pecuniary form or any other agreed form of financial consideration: presents or offers credit agreements to consumers; assists consumers by undertaking preparatory work or other pre-contractual administration in respect of credit agreements other than as referred to in point (a); or concludes credit agreements with consumers on behalf of the creditor;

Used in (105 places in 45 provisions on 12/11/2026)

Directive (EU) 2023/2225 (CCD2) (105 in 45)

Recital 22² · Recital 27 · Recital 30 · Recital 31 · Recital 32 · Recital 33² · Recital 34 · Recital 38 · Recital 39 · Recital 42 · Recital 43⁷ · Recital 45³ · Recital 46² · Recital 50³ · Recital 51 · Recital 52 · Recital 57 · Recital 76² · Recital 77⁵ · Recital 81 · Recital 83² · Recital 84 · Recital 85⁴ · Recital 88 · Article 3² · Article 9² · Article 10⁹ · Article 11⁶ · Article 12 · Article 13 · Article 15 · Article 16¹¹ · Article 18 · Article 19 · Article 21 · Article 32⁶ · Article 33³ · Article 37² · Article 38² · Article 40 · Article 41 · Article 42 · Article 46 · Annex I³ · Annex II³