total cost of the credit to the consumer

Definitions over time (1)

11/06/2008 – 21/06/2008 Article 3, Consumer Credit Directive Scope: Whole act

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

‘total cost of the credit to the consumer’ means all the costs, including interest, commissions, taxes and any other kind of fees which the consumer is required to pay in connection with the credit agreement and which are known to the creditor, except for notarial costs; costs in respect of ancillary services relating to the credit agreement, in particular insurance premiums, are also included if, in addition, the conclusion of a service contract is compulsory in order to obtain the credit or to obtain it on the terms and conditions marketed;

Each has its own scope, dates and uses. Open one to see when it applies.

No text uses this concept on 11/11/2026.