1.

The minimum knowledge and competence requirements for creditors’, credit intermediaries’ and appointed representatives’ staff referred to in Article 9 and for persons involved in the management of credit intermediaries or appointed representatives referred to in point (c) of Article 29(2) and Article 31(2) need to include at least: appropriate knowledge of credit products within the scope of Article 3 and the ancillary services typically offered with them; appropriate knowledge of the laws related to the credit agreements for consumers, in particular consumer protection; appropriate knowledge and understanding of the immovable property purchasing process; appropriate knowledge of security valuation; appropriate knowledge of organisation and functioning of land registers; appropriate knowledge of the market in the relevant Member State; appropriate knowledge of business ethics standards; appropriate knowledge of the consumer’s creditworthiness assessment process or where applicable, competence in assessing consumers’ creditworthiness; appropriate level of financial and economic competency.

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Source: EUR-Lex (Cellar) · retrieved 2026-10-11 · Text as adopted (Official Journal); later amendments are not incorporated in this text.