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Directive (EU) 2023/2225 (CCD2)

Preamble
Recitals 98
Chapter I - GENERAL PROVISIONS (Article 1-6) 6
Chapter II - INFORMATION TO BE PROVIDED PRIOR TO THE CONCLUSION OF THE CREDIT AGREEMENT (Article 7-13) 7
Chapter III - TYING AND BUNDLING PRACTICES, INFERRED AGREEMENT, ADVISORY SERVICES AND UNSOLICITED GRANTING OF CREDIT (Article 14-17) 4
Chapter IV - ASSESSMENT OF CREDITWORTHINESS AND DATABASE ACCESS (Article 18-19) 2
Chapter V - FORM AND CONTENT OF CREDIT AGREEMENTS (Article 20-21) 2
Chapter VI - MODIFICATIONS OF THE CREDIT AGREEMENT AND CHANGES IN THE BORROWING RATE (Article 22-23) 2
Chapter VII - OVERDRAFT FACILITIES AND OVERRUNNING (Article 24-25) 2
Chapter VIII - WITHDRAWAL, TERMINATION AND EARLY REPAYMENT (Article 26-29) 4
Chapter IX - ANNUAL PERCENTAGE RATE OF CHARGE AND MEASURES TO LIMIT RATES AND COSTS (Article 30-31) 2
Chapter X - CONDUCT OF BUSINESS OBLIGATIONS AND REQUIREMENTS FOR STAFF (Article 32-33) 2
Chapter XI - FINANCIAL EDUCATION AND SUPPORT TO CONSUMERS IN FINANCIAL DIFFICULTIES (Article 34-36) 3
Chapter XII - CREDITORS AND CREDIT INTERMEDIARIES (Article 37-38) 2
Chapter XIII - ASSIGNMENTS OF RIGHTS AND DISPUTE RESOLUTION (Article 39-40) 2
Chapter XIV - COMPETENT AUTHORITIES (Article 41) 1
Chapter XV - FINAL PROVISIONS (Article 42-50) 9
Annexes 4
- Annex I
- Annex II
- Annex III
- Annex IV

credit agreement

Defined in Article 3, Directive (EU) 2023/2225 (CCD2)

Definitions over time (1)

19/11/2023 – today applies on 12/11/2026 Article 3, Directive (EU) 2023/2225 (CCD2) Scope: Whole act

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

‘credit agreement’ means an agreement whereby a creditor grants or promises to grant to a consumer credit in the form of a deferred payment, loan or other similar financial accommodation, except for agreements for the provision on a continuing basis of services or for the supply of goods of the same kind, where the consumer pays for such services or goods for the duration of their provision by means of instalments;

Used in (393 places in 90 provisions on 12/11/2026)

Directive (EU) 2023/2225 (CCD2) (393 in 90)

Recital 1 · Recital 5 · Recital 13² · Recital 14⁶ · Recital 15⁹ · Recital 18² · Recital 20² · Recital 21⁴ · Recital 23² · Recital 24² · Recital 25² · Recital 27³ · Recital 31 · Recital 32 · Recital 33⁹ · Recital 36 · Recital 38⁴ · Recital 39 · Recital 40³ · Recital 41² · Recital 42² · Recital 43 · Recital 44 · Recital 45² · Recital 47³ · Recital 48 · Recital 49² · Recital 50² · Recital 52 · Recital 53 · Recital 54 · Recital 55² · Recital 58² · Recital 59 · Recital 60² · Recital 61² · Recital 64 · Recital 65 · Recital 66 · Recital 67⁵ · Recital 68⁴ · Recital 70⁵ · Recital 75 · Recital 76 · Recital 77² · Recital 78 · Recital 79² · Recital 80⁵ · Recital 86² · Recital 88 · Recital 93² · Preamble · Article 1 · Article 2²⁹ · Article 3²⁷ · Article 6 · Article 7 · Article 8⁶ · Article 9⁵ · Article 10²⁷ · Article 11¹² · Article 12⁶ · Article 14⁴ · Article 15² · Article 16⁷ · Article 18⁶ · Article 19³ · Article 20³ · Article 21¹⁹ · Article 22² · Article 23³ · Article 24⁴ · Article 25 · Article 26⁹ · Article 27³ · Article 28⁷ · Article 29² · Article 30⁶ · Article 32³ · Article 33² · Article 34 · Article 35¹⁰ · Article 38 · Article 39² · Article 40² · Article 46 · Article 47² · Annex I²² · Annex II¹⁴ · Annex III¹⁸