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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

overdraft facility

Defined in Article 3, Consumer Credit Directive

Definitions over time (1)

21/06/2008 – today applies on 12/11/2026 Article 3, Consumer Credit Directive Scope: Whole act

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

‘overdraft facility’ means an explicit credit agreement whereby a creditor makes available to a consumer funds which exceed the current balance in the consumer's current account;

Earlier definition records in this act (1)

Open an entry to see its definitions, dates and uses. Separate scopes and histories are kept intact.

Article 3(d) Historical · definitions end 21/06/2008

Used in (12 places in 7 provisions on 12/11/2026)

Consumer Credit Directive (12 in 7)

Article 2² · Article 3² · Article 6² · Article 10 · Article 12 · Article 16 · Annex I³