Article 14 › 2

By way of derogation from paragraph 1 and without prejudice to the application of competition law, Member States may allow creditors to request the consumer to open or maintain a payment or savings account, where the only purpose of such an account is one of the following: (a) to accumulate capital to repay the credit; (b) to service the credit; (c) to pool resources to obtain the credit; (d) to provide additional security for the creditor in the event of default.

1 national measure recorded under this provision, in 1 form — sign in to view the analysis.

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Source: EUR-Lex CELLAR · retrieved 2026-07-30