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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

120 provisions · cited by 13 instruments we hold · 159 national measures recorded · 30 provisions hand work to national law

Defined terms · All instruments · Consumer credit information · Right of withdrawal · advertising · approximation of laws · consumer · consumer · consumer credit · consumer information

1 Subject matter
2 Scope
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3 Definitions
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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2
11a Information regarding the modification of the terms and conditions of a credit agreement
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
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