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European
Legislation (EU)
EU Directives
2008
Information
Table of Contents
Table of Contents
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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
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https://service.betterregulation.com/document/197519
Directive 2008/48/EC - Consumer Credit Directive (CCD)
Chapter V Annual Percentage Rate of Charge (art. 19)
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Chapter V Annual Percentage Rate of Charge (art. 19)
Article 19 Calculation of the annual percentage rate of charge
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