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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

creditor

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:

‘creditor’ means a natural or legal person who grants or promises to grant credit in the course of his trade, business or profession;

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(b) Historical · definitions end 21/06/2008

Used in (150 places in 48 provisions on 12/11/2026)

Consumer Credit Directive (150 in 48)

Recital 4 · Recital 9² · Recital 15 · Recital 16 · Recital 18 · Recital 19 · Recital 20 · Recital 22² · Recital 23 · Recital 24² · Recital 25 · Recital 26⁴ · Recital 27 · Recital 28⁴ · Recital 29² · Recital 30² · Recital 32 · Recital 33 · Recital 38³ · Recital 39⁴ · Recital 40 · Recital 41² · Recital 44 · Article 2³ · Article 3⁹ · Article 5¹⁵ · Article 6⁸ · Article 7 · Article 8³ · Article 9² · Article 10² · Article 11 · Article 11a · Article 12 · Article 13³ · Article 14⁹ · Article 15² · Article 16⁵ · Article 16a⁴ · Article 17³ · Article 18³ · Article 19² · Article 20 · Article 21² · Article 26 · Annex I · Annex II¹⁵ · Annex III¹³