(b)

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 · European Union

a modification of the existing terms and conditions of a credit agreement, which may include among others: extending the term of the credit agreement; changing the type of credit agreement; deferring payment of all or part of the instalment repayment for a period; changing the interest rate; offering a payment holiday; partial repayments; currency conversions; partial forgiveness and debt consolidation.

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Source: EUR-Lex CELLAR · retrieved 2026-07-31 · Text as consolidated on 2023-12-30; changes after this date are not shown.