|
|
| | Recitals |
| | Chapter 1 Subject matter, scope, definitions and competent authorities (arts. 1-5) |
Entered into force | Article 1 Subject matter |
Entered into force | Article 2 Level of harmonisation |
Entered into force | Article 3 Scope |
Entered into force | Article 4 Definitions |
Entered into force | Article 5 Competent authorities |
| | Chapter 2 Financial education (art. 6) |
Entered into force | Article 6 Financial education of consumers |
| | Chapter 3 Conditions applicable to creditors, credit intermediaries and appointed representatives (arts. 7-9) |
Entered into force | Article 7 Conduct of business obligations when providing credit to consumers |
Entered into force | Article 8 Obligation to provide information free of charge to consumers |
Entered into force | Article 9 Knowledge and competence requirements for staff |
| | Chapter 4 Information and practices preliminary to the conclusion of the credit agreement (arts. 10-16) |
Entered into force | Article 10 General provisions applicable to advertising and marketing |
Entered into force | Article 11 Standard information to be included in advertising |
Entered into force | Article 12 Tying and bundling practices |
Amended | Article 13 General information |
Entered into force | Article 14 Pre-contractual information |
Entered into force | Article 15 Information requirements concerning credit intermediaries and appointed representatives |
Entered into force | Article 16 Adequate explanations |
| | Chapter 5 Annual percentage rate of charge (art. 17) |
Entered into force | Article 17 Calculation of the APRC |
| | Chapter 6 Creditworthiness assessment (arts. 18-20) |
Entered into force | Article 18 Obligation to assess the creditworthiness of the consumer |
Entered into force | Article 19 Property valuation |
Entered into force | Article 20 Disclosure and verification of consumer information |
| | Chapter 7 Database access (art. 21) |
Entered into force | Article 21 Database access |
| | Chapter 8 Advisory services (art. 22) |
Entered into force | Article 22 Standards for advisory services |
| | Chapter 9 Foreign currency loans and variable rate loans (arts. 23-24) |
Entered into force | Article 23 Foreign currency loans |
Entered into force | Article 24 Variable rate credits |
| | Chapter 10 Sound Execution of credit agreements and related rights (arts. 25-28) |
Entered into force | Article 25 Early repayment |
Entered into force | Article 26 Flexible and reliable markets |
Entered into force | Article 27 Information concerning changes in the borrowing rate |
Entered into force | Article 28 Arrears and foreclosure |
| | Chapter 11 Requirements for establishment and supervision of credit intermediaries and appointed representatives (arts. 29-34) |
Entered into force | Article 29 Admission of credit intermediaries |
Entered into force | Article 30 Credit intermediaries tied to only one creditor |
Entered into force | Article 31 Appointed representatives |
Entered into force | Article 32 Freedom of establishment and freedom to provide services by credit intermediaries |
Entered into force | Article 33 Withdrawal of admission of credit intermediaries |
Entered into force | Article 34 Supervision of credit intermediaries and appointed representatives |
| | Chapter 12 Admission and supervision of non-credit institutions (art. 35) |
Entered into force | Article 35 Admission and supervision of non-credit institutions |
| | Chapter 13 Cooperation between competent authorities of different member states (arts. 36-37) |
Entered into force | Article 36 Obligation to cooperate |
Entered into force | Article 37 Settlement of disagreements between competent authorities of different Member States |
| | Chapter 14 Final provisions (arts. 38-50) |
Entered into force | Article 38 Sanctions |
Entered into force | Article 39 Dispute resolution mechanisms |
Entered into force | Article 40 Exercise of the delegation |
Entered into force | Article 41 Imperative nature of this Directive |
Amended | Article 42 Transposition |
Amended | Article 43 Transitional provisions |
Entered into force | Article 44 Review clause |
Entered into force | Article 45 Further initiatives on responsible lending and borrowing |
Entered into force | Article 46 Amendment of Directive 2008/48/EC |
Entered into force | Article 47 Amendment of Directive 2013/36/EU |
Entered into force | Article 48 Amendment of Regulation (EU) No 1093/2010 |
Entered into force | Article 49 Entry into force |
Entered into force | Article 50 Addressees |
Entered into force | Annex I Calculation of the annual percentage rate of charge (APRC) |
| | Annex II European stantardised information sheet (ESIS) |
Entered into force | Annex II, Part A |
Amended | Annex II, Part B Instructions to complete the ESIS |
Entered into force | Annex III Minimum knowledge and competence requirements |
| | Done at |
