Article 38

Member States shall require that credit intermediaries: 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; disclose to the consumer any fees payable by the consumer to the credit intermediary for services to be provided; 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; communicate any fees referred to in point (b) to the creditor, for the purpose of calculation of the annual percentage rate of charge.

← (b) · All articles · art_38__para →

Source: EUR-Lex CELLAR · retrieved 2026-07-30 · Text as adopted (Official Journal); later amendments are not incorporated in this text.