Directive 2008/48/EC of the European Parliament and of the Council of 23 April 20... (32008L0048)
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
- 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
- CHAPTER I
- SUBJECT MATTER, SCOPE AND DEFINITIONS
- Article 1
- Subject matter
- Article 2
- Scope
- Article 3
- Definitions
- CHAPTER II
- INFORMATION AND PRACTICES PRELIMINARY TO THE CONCLUSION OF THE CREDIT AGREEMENT
- 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
- Article 9
- Database access
- CHAPTER IV
- INFORMATION AND RIGHTS CONCERNING CREDIT AGREEMENTS
- Article 10
- Information to be included in credit agreements
- Article 11
- Information concerning the borrowing rate
- 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 17
- Assignment of rights
- Article 18
- Overrunning
- CHAPTER V
- ANNUAL PERCENTAGE RATE OF CHARGE
- Article 19
- Calculation of the annual percentage rate of charge
- CHAPTER VI
- CREDITORS AND CREDIT INTERMEDIARIES
- Article 20
- Regulation of creditors
- Article 21
- Certain obligations of credit intermediaries vis-à-vis consumers
- CHAPTER VII
- IMPLEMENTING MEASURES
- 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
- Article 29
- Repeal
- Article 30
- Transitional measures
- Article 31
- Entry into force
- Article 32
- Addressees
- ANNEX I
- I. The basic equation expressing the equivalence of drawdowns on the one hand and repayments and charges on the other.
- II. Additional assumptions for the calculation of the annual percentage rate of charge
- ANNEX II
- STANDARD EUROPEAN CONSUMER CREDIT INFORMATION
- 1. Identity and contact details of the creditor/credit intermediary
- 2. Description of the main features of the credit product
- 3. Costs of the credit
- 4. Other important legal aspects
- 5. Additional information in the case of distance marketing of financial services
- ANNEX III
- EUROPEAN CONSUMER CREDIT INFORMATION FOR
- 1. Identity and contact details of the creditor/credit intermediary
- 2. Description of the main features of the credit product
- 3. Costs of the credit
- 4. Other important legal aspects
- 5. Additional information to be given where the pre-contractual information is provided by certain credit organisations (Article 2(5) of Directive 2008/48/EC or relates to a consumer credit for debt conversion
- 6. Additional information to be given in the case of distance marketing of financial services
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