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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: Entered into force | Document consolidation status: Updated to reflect all known changes
Version date: 11 June 2008 - 19 November 2026
Version 2 of 3

Article 31 Entry into force

This Directive shall enter into force on the 20th day following its publication in the Official Journal of the European Union.

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