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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

Credit institution

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:

‘Credit institution’ means credit institution as defined in point 1 of Article 4(1) of Regulation (EU) No 575/2013.
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:

‘Credit institution’ means credit institution as defined in point 1 of Article 4(1) of Regulation (EU) No 575/2013.

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(9) Historical · definitions end 01/01/2018

Used in (32 places in 16 provisions on 12/11/2026)

Mortgage Credit Directive (32 in 16)

Recital 1 · Recital 2 · Recital 4² · Recital 26² · Recital 28 · Recital 60³ · Recital 73⁴ · Recital 75³ · Recital 81² · Article 1 · Article 4⁴ · Article 29 · Article 32² · Article 34 · Article 35² · Article 44²