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DIRECTIVE 2008/48/EC OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL of 23 April 2008 on credit agreements for consumers and repealing Council Directive 87/102/EEC

directive · European Union · 32008L0048

348 provisions in 374 nodes · cited by 19 instruments we hold · 159 national measures recorded · 27 provisions hand work to national law

Defined terms · All instruments · Consumer credit information · EU law · Right of withdrawal · advertising · approximation of laws · consumer · consumer · consumer credit

Preamble DIRECTIVE 2008/48/EC OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL
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CHAPTER I SUBJECT MATTER, SCOPE AND DEFINITIONS
Article 1 Subject matter
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Article 2 Scope
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Article 3 Definitions
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CHAPTER II INFORMATION AND PRACTICES PRELIMINARY TO THE CONCLUSION OF THE CREDIT AGREEMENT
Article 4 Standard information to be included in advertising
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Article 5 Pre-contractual information
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Article 6 Pre-contractual information requirements for certain credit agreements in the form of an overdraft facility and for certain specific credit agreements
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Article 7 Exemptions from the pre-contractual information requirements
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Article 8 Obligation to assess the creditworthiness of the consumer
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CHAPTER III DATABASE ACCESS
Article 9 Database access
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CHAPTER IV INFORMATION AND RIGHTS CONCERNING CREDIT AGREEMENTS
Article 10 Information to be included in credit agreements
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Article 11 Information concerning the borrowing rate
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Article 11a Information regarding the modification of the terms and conditions of a credit agreement
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Article 12 Obligations in connection with credit agreement in the form of an overdraft facility
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Article 13 Open-end credit agreements
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Article 14 Right of withdrawal
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Article 15 Linked credit agreements
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Article 16 Early repayment
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Article 16a Arrears and enforcement
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Article 17 Assignment of rights
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Article 18 Overrunning
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CHAPTER V ANNUAL PERCENTAGE RATE OF CHARGE
Article 19 Calculation of the annual percentage rate of charge
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CHAPTER VI CREDITORS AND CREDIT INTERMEDIARIES
Article 20 Regulation of creditors
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Article 21 Certain obligations of credit intermediaries vis-à-vis consumers
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CHAPTER VII IMPLEMENTING MEASURES
Article 22 Harmonisation and imperative nature of this Directive
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Article 23 Penalties
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Article 24 Out-of-court dispute resolution
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Article 24a Exercise of the delegation
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Article 26 Information to be supplied to the Commission
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Article 27 Transposition
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Article 28 Conversion of amounts expressed in euro into national currency
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CHAPTER VIII TRANSITIONAL AND FINAL PROVISIONS
Article 29 Repeal
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Article 30 Transitional measures
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Article 31 Entry into force
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Article 32 Addressees
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ANNEX I
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ANNEX II
STANDARD EUROPEAN CONSUMER CREDIT INFORMATION
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ANNEX III
EUROPEAN CONSUMER CREDIT INFORMATION FOR
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