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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

Creditor

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:

‘Creditor’ means a natural or legal person who grants or promises to grant credit falling within the scope of Article 3 in the course of his trade, business or profession.
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:

‘Creditor’ means a natural or legal person who grants or promises to grant credit falling within the scope of Article 3 in the course of his trade, business or profession.

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

Used in (311 places in 79 provisions on 09/11/2026)

Mortgage Credit Directive (311 in 79)

Recital 8 · Recital 9 · Recital 10² · Recital 16² · Recital 20⁴ · Recital 22 · Recital 24² · Recital 25³ · Recital 26 · Recital 27⁵ · Recital 28 · Recital 31⁴ · Recital 32³ · Recital 33² · Recital 34 · Recital 35² · Recital 36 · Recital 37 · Recital 39 · Recital 43⁴ · Recital 46² · Recital 47⁴ · Recital 48² · Recital 50³ · Recital 51 · Recital 52³ · Recital 53⁴ · Recital 54 · Recital 55 · Recital 56² · Recital 57⁴ · Recital 58³ · Recital 59³ · Recital 60³ · Recital 61⁴ · Recital 64² · Recital 66³ · Recital 67 · Recital 69⁴ · Recital 72 · Recital 74³ · Recital 75² · Recital 77² · Article 3³ · Article 4¹⁴ · Article 5 · Article 7⁸ · Article 9⁵ · Article 11 · Article 12⁷ · Article 13⁴ · Article 14¹⁰ · Article 15⁸ · Article 16² · Article 17 · Article 18⁷ · Article 19² · Article 20⁸ · Article 21 · Article 22¹⁷ · Article 23² · Article 24 · Article 25³ · Article 26² · Article 27⁵ · Article 27a · Article 28⁵ · Article 28a³ · Article 29⁴ · Article 30⁶ · Article 31 · Article 32² · Article 34² · Article 39² · Article 43 · Article 44 · Annex I · Annex II⁶⁸ · Annex III²