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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

borrowing rate

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:

‘borrowing rate’ means the interest rate expressed as a fixed or variable percentage applied on an annual basis to the amount of credit drawn down;

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

Used in (65 places in 17 provisions on 12/11/2026)

Consumer Credit Directive (65 in 17)

Recital 19 · Recital 21² · Recital 32⁵ · Article 3⁷ · Article 4 · Article 5⁷ · Article 6³ · Article 10¹² · Article 11³ · Article 12⁴ · Article 14 · Article 16² · Article 18 · Article 19² · Annex I⁸ · Annex II³ · Annex III³