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DIRECTIVE 2008/48/EC OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL of 23 April 2008 on credit agreements for consumers and repealing Council Directive 87/102/EEC

directive · European Union · 32008L0048

266 provisions · cited by 42 instruments we hold · 159 national measures recorded

Defined terms · All instruments · Consumer credit information · EU law · Internet · Pre-contract information · Right of withdrawal · advertising · civil law · consumer

1 Subject matter
2 Scope
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3 Definitions
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4 Standard information to be included in advertising
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5 Pre-contractual information
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6 Pre-contractual information requirements for certain credit agreements in the form of an overdraft facility and for certain specific credit agreements
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7 Exemptions from the pre-contractual information requirements
8 Obligation to assess the creditworthiness of the consumer
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9 Database access
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10 Information to be included in credit agreements
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11 Information concerning the borrowing rate
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11a Information regarding the modification of the terms and conditions of a credit agreement
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12 Obligations in connection with credit agreement in the form of an overdraft facility
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13 Open-end credit agreements
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14 Right of withdrawal
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15 Linked credit agreements
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16 Early repayment
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16a Arrears and enforcement
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17 Assignment of rights
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18 Overrunning
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19 Calculation of the annual percentage rate of charge
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20 Regulation of creditors
21 Certain obligations of credit intermediaries vis-à-vis consumers
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22 Harmonisation and imperative nature of this Directive
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23 Penalties
24 Out-of-court dispute resolution
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24a Exercise of the delegation
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26 Information to be supplied to the Commission
27 Transposition
28 Conversion of amounts expressed in euro into national currency
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29 Repeal
30 Transitional measures
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31 Entry into force
32 Addressees
I I. The basic equation expressing the equivalence of drawdowns on the one hand and repayments and charges on the other.
II STANDARD EUROPEAN CONSUMER CREDIT INFORMATION
III EUROPEAN CONSUMER CREDIT INFORMATION FOR