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Consumer Credit Directive In force since 23 April 2008

Directive 2008/48/EC on credit agreements for consumers
32008L0048 · official text on EUR-Lex

Articles

Chapter I SUBJECT MATTER, SCOPE AND DEFINITIONS

• Article 1 — Subject matter
• Article 2 — Scope
• Article 3 — Definitions

Chapter II INFORMATION AND PRACTICES PRELIMINARY TO THE CONCLUSION OF THE CREDIT AGREEMENT

• Article 4 — Standard information to be included in advertising
• Article 5 — Pre-contractual information
• Article 6 — Pre-contractual information requirements for certain credit agreements in the form of an overdraft facility and for certain specific credit agreements
• Article 7 — Exemptions from the pre-contractual information requirements
• Article 8 — Obligation to assess the creditworthiness of the consumer

Chapter III DATABASE ACCESS

• Article 9 — Database access

Chapter IV INFORMATION AND RIGHTS CONCERNING CREDIT AGREEMENTS

• Article 10 — Information to be included in credit agreements
• Article 11 — Information concerning the borrowing rate
• Article 12 — Obligations in connection with credit agreement in the form of an overdraft facility
• Article 13 — Open-end credit agreements
• Article 14 — Right of withdrawal
• Article 15 — Linked credit agreements
• Article 16 — Early repayment
• Article 17 — Assignment of rights
• Article 18 — Overrunning

Chapter V ANNUAL PERCENTAGE RATE OF CHARGE

• Article 19 — Calculation of the annual percentage rate of charge

Chapter VI CREDITORS AND CREDIT INTERMEDIARIES

• Article 20 — Regulation of creditors
• Article 21 — Certain obligations of credit intermediaries vis-à-vis consumers

Chapter VII IMPLEMENTING MEASURES

• Article 22 — Harmonisation and imperative nature of this Directive
• Article 23 — Penalties
• Article 24 — Out-of-court dispute resolution
• Article 25 — Committee procedure
• Article 26 — Information to be supplied to the Commission
• Article 27 — Transposition
• Article 28 — Conversion of amounts expressed in euro into national currency

Chapter VIII TRANSITIONAL AND FINAL PROVISIONS

• Article 29 — Repeal
• Article 30 — Transitional measures
• Article 31 — Entry into force
• Article 32 — Addressees