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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 25-28) 4
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

Consumer

Defined in Article 4, Mortgage Credit Directive

Uses as of 07/07/2015

Definitions over time (1)

20/03/2014 – 01/01/2018 applies on 07/07/2015 Article 4, Mortgage Credit Directive Scope: Whole act

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

‘Consumer’ means a consumer as defined in point (a) of Article 3 of Directive 2008/48/EC.

Other definitions of this term in this act (1)

Each has its own scope, dates and uses. Open one to see when it applies.

Article 4(1)

Used in (455 places in 98 provisions on 07/07/2015)

Mortgage Credit Directive (455 in 98)

Recital 3⁵ · Recital 4² · Recital 5² · Recital 6 · Recital 7² · Recital 9² · Recital 11² · Recital 12² · Recital 13 · Recital 14 · Recital 15 · Recital 16² · Recital 17³ · Recital 18 · Recital 19⁴ · Recital 20⁵ · Recital 21³ · Recital 22³ · Recital 23⁴ · Recital 24⁷ · Recital 25³ · Recital 26 · Recital 27³ · Recital 29⁴ · Recital 30³ · Recital 31⁷ · Recital 35⁵ · Recital 37⁴ · Recital 38⁴ · Recital 39² · Recital 40⁶ · Recital 41² · Recital 42 · Recital 43 · Recital 44⁷ · Recital 45³ · Recital 46² · Recital 47⁵ · Recital 48⁶ · Recital 49 · Recital 50⁷ · Recital 51 · Recital 52² · Recital 53⁵ · Recital 54 · Recital 55⁶ · Recital 56⁴ · Recital 57 · Recital 58⁷ · Recital 59³ · Recital 60 · Recital 61³ · Recital 62 · Recital 63⁴ · Recital 64⁴ · Recital 65² · Recital 66⁵ · Recital 67³ · Recital 69 · Recital 73 · Recital 74⁴ · Recital 77⁴ · Recital 80 · Recital 81 · Recital 82 · Recital 83 · Preamble · Article 1 · Article 2 · Article 3⁹ · Article 4²³ · Article 6⁶ · Article 7⁷ · Article 8² · Article 10 · Article 11⁵ · Article 12⁴ · Article 13⁷ · Article 14¹⁵ · Article 15¹² · Article 16⁵ · Article 17⁵ · Article 18¹⁰ · Article 20¹⁰ · Article 21² · Article 22²⁰ · Article 23¹⁵ · Article 25⁹ · Article 27⁶ · Article 28⁴ · Article 32 · Article 34² · Article 39² · Article 41² · Article 44² · Annex I⁹ · Annex II⁵⁶ · Annex III⁴