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

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Version status: To be repealed | Document consolidation status: Updated to reflect all known changes

Published date: 22 May 2008

Consolidation Status: Updated to reflect all known changes

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	Recitals
	Chapter I Subject Matter, Scope and Definitions (arts. 1-3)
Entered into force	Article 1 Subject matter
Amended	Article 2 Scope
Entered into force	Article 3 Definitions
	Chapter II Information and Practices Preliminary to the Conclusion of the Credit Agreement (arts. 4-8)
Entered into force	Article 4 Standard information to be included in advertising
Amended	Article 5 Pre-contractual information
Entered into force	Article 6 Pre-contractual information requirements for certain credit agreements in the form of an overdraft facility and for certain specific credit agreements
Entered into force	Article 7 Exemptions from the pre-contractual information requirements
Entered into force	Article 8 Obligation to assess the creditworthiness of the consumer
	Chapter III Database Access (art. 9)
Entered into force	Article 9 Database access
	Chapter IV Information and Rights Concerning Credit Agreements (arts. 10-18)
Entered into force	Article 10 Information to be included in credit agreements
Entered into force	Article 11 Information concerning the borrowing rate
Amended	Article 11a Information regarding the modification of the terms and conditions of a credit agreement
Entered into force	Article 12 Obligations in connection with credit agreement in the form of an overdraft facility
Entered into force	Article 13 Open-end credit agreements
Entered into force	Article 14 Right of withdrawal
Entered into force	Article 15 Linked credit agreements
Entered into force	Article 16 Early repayment
Amended	Article 16a Arrears and enforcement
Entered into force	Article 17 Assignment of rights
Entered into force	Article 18 Overrunning
	Chapter V Annual Percentage Rate of Charge (art. 19)
Entered into force	Article 19 Calculation of the annual percentage rate of charge
	Chapter VI Creditors and Credit Intermediaries (arts. 20-21)
Entered into force	Article 20 Regulation of creditors
Entered into force	Article 21 Certain obligations of credit intermediaries vis-à-vis consumers
	Chapter VII Implementing Measures (arts. 22-28)
Amended	Article 22 Harmonisation and imperative nature of this Directive
Entered into force	Article 23 Penalties
Entered into force	Article 24 Out-of-court dispute resolution
Entered into force	Article 25 Committee procedure
Amended	Article 26 Information to be supplied to the Commission
Amended	Article 27 Transposition
Entered into force	Article 28 Conversion of amounts expressed in euro into national currency
	Chapter VIII Transitional and Final Provisions (arts. 29-32)
Amended	Article 29 Repeal
Entered into force	Article 30 Transitional measures
Entered into force	Article 31 Entry into force
Entered into force	Article 32 Addressees
Amended	Annex I
Amended	Annex II Standard European Consumer Credit Information
Amended	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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