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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 agreement

Defined in Article 4, Mortgage Credit Directive

Definitions over time (2)

01/01/2018 – today applies on 09/11/2026 Article 4, Mortgage Credit Directive Scope: Whole act

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

‘Credit agreement’ means an agreement whereby a creditor grants or promises to grant, to a consumer, a credit falling within the scope of Article 3 in the form of a deferred payment, loan or other similar financial accommodation.
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 agreement’ means an agreement whereby a creditor grants or promises to grant, to a consumer, a credit falling within the scope of Article 3 in the form of a deferred payment, loan or other similar financial accommodation.

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

Used in (314 places in 91 provisions on 09/11/2026)

Mortgage Credit Directive (314 in 91)

Recital 1³ · Recital 2³ · Recital 3 · Recital 5² · Recital 6 · Recital 7² · Recital 9² · Recital 13³ · Recital 14 · Recital 15² · Recital 16² · Recital 17⁸ · Recital 18 · Recital 19 · Recital 20³ · Recital 21 · Recital 22³ · Recital 23³ · Recital 24⁵ · Recital 25² · Recital 26 · Recital 27 · Recital 29 · Recital 31 · Recital 32² · Recital 35² · Recital 36 · Recital 37³ · Recital 40⁴ · Recital 42³ · Recital 43 · Recital 44² · Recital 45⁵ · Recital 46² · Recital 47 · Recital 48 · Recital 50 · Recital 51² · Recital 52 · Recital 53³ · Recital 54² · Recital 55⁵ · Recital 56³ · Recital 57 · Recital 58³ · Recital 60 · Recital 65 · Recital 66³ · Recital 67 · Recital 68² · Recital 73² · Recital 74² · Recital 75² · Recital 78 · Recital 81³ · Recital 82 · Preamble · Article 3¹⁸ · Article 4¹⁷ · Article 6 · Article 7³ · Article 9² · Article 10 · Article 11⁵ · Article 12³ · Article 13⁶ · Article 14⁷ · Article 15² · Article 16⁴ · Article 17⁶ · Article 18⁷ · Article 20³ · Article 21 · Article 22¹¹ · Article 23¹² · Article 24² · Article 25³ · Article 27 · Article 27a · Article 28⁵ · Article 28a² · Article 29 · Article 32 · Article 39² · Article 41² · Article 43² · Article 44⁴ · Article 46 · Annex I³⁰ · Annex II²⁶ · Annex III