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Directive 2008/48/EC - Consumer Credit Directive (CCD)RecitalsChapter I Subject Matter, Scope and Definitions (arts. 1-3)Article 1 Subject matterArticle 2 ScopeArticle 3 DefinitionsChapter II Information and Practices Preliminary to the Conclusion of the Credit Agreement (arts. 4-8)Article 4 Standard information to be included in advertisingArticle 5 Pre-contractual informationArticle 6 Pre-contractual information requirements for certain credit agreements in the form of an overdraft facility and for certain specific credit agreementsArticle 7 Exemptions from the pre-contractual information requirementsArticle 8 Obligation to assess the creditworthiness of the consumerChapter III Database Access (art. 9)Article 9 Database accessChapter IV Information and Rights Concerning Credit Agreements (arts. 10-18)Article 10 Information to be included in credit agreementsArticle 11 Information concerning the borrowing rateArticle 11a Information regarding the modification of the terms and conditions of a credit agreementArticle 12 Obligations in connection with credit agreement in the form of an overdraft facilityArticle 13 Open-end credit agreementsArticle 14 Right of withdrawalArticle 15 Linked credit agreementsArticle 16 Early repaymentArticle 16a Arrears and enforcementArticle 17 Assignment of rightsArticle 18 OverrunningChapter V Annual Percentage Rate of Charge (art. 19)Article 19 Calculation of the annual percentage rate of chargeChapter VI Creditors and Credit Intermediaries (arts. 20-21)Article 20 Regulation of creditorsArticle 21 Certain obligations of credit intermediaries vis-à-vis consumersChapter VII Implementing Measures (arts. 22-28)Article 22 Harmonisation and imperative nature of this DirectiveArticle 23 PenaltiesArticle 24 Out-of-court dispute resolutionArticle 25 Committee procedureArticle 26 Information to be supplied to the CommissionArticle 27 TranspositionArticle 28 Conversion of amounts expressed in euro into national currencyChapter VIII Transitional and Final Provisions (arts. 29-32)Article 29 RepealArticle 30 Transitional measuresArticle 31 Entry into forceArticle 32 AddresseesAnnex IAnnex II Standard European Consumer Credit InformationAnnex III European Consumer Credit Information for (1) Overdrafts (2) Consumer Credit Offered by Certain Credit Organisations (Article 2(5) of Directive 2008/48/EC) (3) Debt ConversionDone at
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Version status: To be repealed | Document consolidation status: Updated to reflect all known changes
Published date: 22 May 2008

Directive 2008/48/EC - Consumer Credit Directive (CCD)

Recitals  
Chapter I Subject Matter, Scope and Definitions (arts. 1-3)
Article 1 Subject matter  
Article 2 Scope  
Article 3 Definitions  
Chapter II Information and Practices Preliminary to the Conclusion of the Credit Agreement (arts. 4-8)
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 (art. 9)
Article 9 Database access  
Chapter IV Information and Rights Concerning Credit Agreements (arts. 10-18)
Article 10 Information to be included in credit agreements  
Article 11 Information concerning the borrowing rate  
Article 11a Information regarding the modification of the terms and conditions of a credit agreement  
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 16a Arrears and enforcement  
Article 17 Assignment of rights  
Article 18 Overrunning  
Chapter V Annual Percentage Rate of Charge (art. 19)
Article 19 Calculation of the annual percentage rate of charge  
Chapter VI Creditors and Credit Intermediaries (arts. 20-21)
Article 20 Regulation of creditors  
Article 21 Certain obligations of credit intermediaries vis-à-vis consumers  
Chapter VII Implementing Measures (arts. 22-28)
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 (arts. 29-32)
Article 29 Repeal  
Article 30 Transitional measures  
Article 31 Entry into force  
Article 32 Addressees  
Annex I  
Annex II Standard European Consumer Credit Information  
Annex III European Consumer Credit Information for (1) Overdrafts (2) Consumer Credit Offered by Certain Credit Organisations (Article 2(5) of Directive 2008/48/EC) (3) Debt Conversion  
Done at  
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