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Mortgage Credit Directive

Preamble
Recitals 85
Chapter 1 - SUBJECT MATTER, SCOPE, DEFINITIONS AND COMPETENT AUTHORITIES (Article 1-5) 5
Chapter 2 - FINANCIAL EDUCATION (Article 6) 1
Chapter 3 - CONDITIONS APPLICABLE TO CREDITORS, CREDIT INTERMEDIARIES AND APPOINTED REPRESENTATIVES (Article 7-9) 3
Chapter 4 - INFORMATION AND PRACTICES PRELIMINARY TO THE CONCLUSION OF THE CREDIT AGREEMENT (Article 10-16) 7
Chapter 5 - ANNUAL PERCENTAGE RATE OF CHARGE (Article 17) 1
Chapter 6 - CREDITWORTHINESS ASSESSMENT (Article 18-20) 3
Chapter 7 - DATABASE ACCESS (Article 21) 1
Chapter 8 - ADVISORY SERVICES (Article 22) 1
Chapter 9 - FOREIGN CURRENCY LOANS AND VARIABLE RATE LOANS (Article 23-24) 2
Chapter 10 - SOUND EXECUTION OF CREDIT AGREEMENTS AND RELATED RIGHTS (Article 25-28a) 6
Chapter 11 - REQUIREMENTS FOR ESTABLISHMENT AND SUPERVISION OF CREDIT INTERMEDIARIES AND APPOINTED REPRESENTATIVES (Article 29-34) 6
Chapter 12 - ADMISSION AND SUPERVISION OF NON-CREDIT INSTITUTIONS (Article 35) 1
Chapter 13 - COOPERATION BETWEEN COMPETENT AUTHORITIES OF DIFFERENT MEMBER STATES (Article 36-37) 2
Chapter 14 - FINAL PROVISIONS (Article 38-50) 13
Annexes 3
Amending acts 2
- Directive (EU) 2021/2167from 30/12/2023
- Benchmark Regulation (BMR)from 01/01/2018

Appointed representative

Defined in Article 4, Mortgage Credit Directive

Definitions over time (2)

01/01/2018 – today applies on 12/11/2026 Article 4, Mortgage Credit Directive Scope: Whole act

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

‘Appointed representative’ means a natural or legal person who performs activities referred to in point 5 that is acting on behalf of and under the full and unconditional responsibility of only one credit intermediary.
28/02/2014 – 20/03/2014 Article 4, Mortgage Credit Directive Scope: Whole act

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

‘Appointed representative’ means a natural or legal person who performs activities referred to in point 5 that is acting on behalf of and under the full and unconditional responsibility of only one credit intermediary.

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 4(8) Historical · definitions end 01/01/2018

Used in (83 places in 28 provisions on 12/11/2026)

Mortgage Credit Directive (83 in 28)

Recital 28 · Recital 31² · Recital 32³ · Recital 34 · Recital 35² · Recital 36 · Recital 46 · Recital 70⁶ · Recital 72² · Article 1 · Article 4² · Article 5 · Article 7³ · Article 9³ · Article 11 · Article 13 · Article 14⁵ · Article 15² · Article 16² · Article 20³ · Article 22¹⁵ · Article 29⁵ · Article 31¹⁰ · Article 32² · Article 34 · Article 39² · Article 43 · Annex III⁴