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Article 23 › 2

CCD2
DIRECTIVE (EU) 2023/2225 OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL of 18 October 2023 on credit agreements for consumers and repealing Directive 2008/48/EC · European Union

By way of derogation from paragraph 1, the information referred to in that paragraph may be given to the consumer periodically where all of the following conditions are fulfilled: (a) the parties have agreed on such periodical information in the credit agreement; (b) the change in the borrowing rate is caused by a change in a reference rate; (c) the new reference rate is made publicly available in a timely manner by appropriate means; (d) the information concerning the new reference rate is also available: (i) at the premises of the creditor; (ii) where the creditor has a website, on that website; and (iii) where the creditor has a mobile application, via that mobile application.

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