Article 38

Member States shall require that credit intermediaries: (a) indicate, in advertising and documentation intended for consumers, the extent of their powers and whether they work exclusively with one or more creditors or as an independent intermediary; (b) disclose to the consumer any fees payable by the consumer to the credit intermediary for services to be provided; (c) reach an agreement with the consumer on any fees referred to in point (b) on paper or another durable medium before the conclusion of the credit agreement; (d) communicate any fees referred to in point (b) to the creditor, for the purpose of calculation of the annual percentage rate of charge.

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