# Instrument Metadata # Output tuned for LLM consumption -- deterministic parse of the # EUR-Lex source, no LLM involved in generation. instrument_id: ccd-2 celex: "32023L2225" eli: "http://data.europa.eu/eli/dir/2023/2225/oj" full_title: Consumer Credit Directive (EU) 2023/2225 short_title: CCD2 instrument_type: directive document_type: directive normative_weight: binding jurisdiction: EU effective_period: from: "2023-11-19" to: null dates: adopted: "2023-10-18" entered_into_force: "2023-11-19" status: in_force legal_status: in_force structure_levels: - title - chapter - article total_articles: 50 total_recitals: 98 total_annexes: 4 definitions_article: 3 chunk_strategy: by_chapter chunks: - /ccd-2/chunks/recitals.md - /ccd-2/chunks/ccd-2_t01_general_provisions.md - /ccd-2/chunks/ccd-2_t02_information_to_be_provided_prior_to_the_.md - /ccd-2/chunks/ccd-2_t03_tying_and_bundling_practices_inferred_ag.md - /ccd-2/chunks/ccd-2_t04_assessment_of_creditworthiness_and_datab.md - /ccd-2/chunks/ccd-2_t05_form_and_content_of_credit_agreements.md - /ccd-2/chunks/ccd-2_t06_modifications_of_the_credit_agreement_an.md - /ccd-2/chunks/ccd-2_t07_overdraft_facilities_and_overrunning.md - /ccd-2/chunks/ccd-2_t08_withdrawal_termination_and_early_repayme.md - /ccd-2/chunks/ccd-2_t09_annual_percentage_rate_of_charge_and_mea.md - /ccd-2/chunks/ccd-2_t10_conduct_of_business_obligations_and_requ.md - /ccd-2/chunks/ccd-2_t11_financial_education_and_support_to_consu.md - /ccd-2/chunks/ccd-2_t12_creditors_and_credit_intermediaries.md - /ccd-2/chunks/ccd-2_t13_assignments_of_rights_and_dispute_resolu.md - /ccd-2/chunks/ccd-2_t14_competent_authorities.md - /ccd-2/chunks/ccd-2_t15_final_provisions.md - /ccd-2/chunks/annexes.md key_dates: - date: "2016-04-13" type: citation article: "45" context: "…in accordance with the principles laid down in the Interinstitutional Agreement of 13 April 2016 on Better Law-Making. 5. As soon as…" - date: "2023-10-18" type: lifecycle context: "Adopted" - date: "2023-11-19" type: lifecycle context: "Entered into force" - date: "2025-11-20" type: deadline article: "41" context: "…The first such notification shall be made as soon as possible and at the latest by 20 November 2025. 6. The competent authorities shall…" - date: "2025-11-20" type: deadline article: "48" context: "1. Member States shall adopt and publish, by 20 November 2025, the laws, regulations and…" - date: "2025-11-20" type: review article: "46" context: "…effectiveness and deterrent effect of the penalties imposed under that Article. 2. By 20 November 2025, the Commission shall assess the…" - date: "2026-11-20" type: application article: "48" context: "…the text of those provisions to the Commission. They shall apply those measures from 20 November 2026. When Member States adopt those…" - date: "2026-11-20" type: deadline article: "44" context: "…provided for shall be effective, proportionate and dissuasive. Member States shall, by 20 November 2026, notify the Commission of those rules…" - date: "2026-11-20" type: lifecycle article: "47" context: "Directive 2008/48/EC is repealed with effect from 20 November 2026. Notwithstanding the first paragraph,…" - date: "2026-11-20" type: review article: "31" context: "…1 publicly available. Member States shall report to the Commission on those measures by 20 November 2026. 4. By 20 November 2029 the European…" - date: "2026-11-20" type: review article: "36" context: "…best practices for the further development of such services. Member States shall, by 20 November 2026, and every year thereafter, report to…" - date: "2027-11-20" type: deadline article: "31" context: "…regarding specific charges or fees applied by creditors on their territory. 3. By 20 November 2027, the Commission shall make the…" - date: "2028-11-20" type: review article: "36" context: "…debt advisory services easily accessible to the consumer. 4. The Commission shall, by 20 November 2028, present a report providing an…" - date: "2029-11-20" type: review article: "31" context: "…States shall report to the Commission on those measures by 20 November 2026. 4. By 20 November 2029 the European Banking Authority shall…" - date: "2029-11-20" type: review article: "46" context: "1. The Commission shall undertake, by 20 November 2029 and every four years thereafter, an…" generated_at: "2026-10-05T22:50:39.467Z" articles: - article_number: 1 article_title: Subject matter chunk_file: /ccd-2/chunks/ccd-2_t01_general_provisions.md path: "Chapter I > Article 1" applies_to_entities: - member_states - consumers topics: - consumer_credit - consumer_protection keywords: - consumer - credit agreement contains: obligations: false prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 2 article_title: Scope chunk_file: /ccd-2/chunks/ccd-2_t01_general_provisions.md path: "Chapter I > Article 2" applies_to_entities: - payment_institutions - credit_institutions - member_states - consumers topics: - consumer_credit - consumer_protection - liability keywords: - liability - consumer - transaction - card - security - third party - settlement - creditor - credit agreement - annual percentage rate of charge - borrowing rate - total amount of credit - overrunning contains: obligations: true prohibitions: false permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 23 - target: Article 24 - target: Article 25 paragraph: "1" - target: Article 25 paragraph: "2" - target: Article 28 - target: Article 39 - target: Article 1 - target: Article 2 - target: Article 3 - target: Article 17 - target: Article 19 - target: Article 25 - target: Article 31 - target: Article 35 - target: Article 36 - target: Article 40 - target: Article 41 - target: Article 42 - target: Article 43 - target: Article 44 - target: Article 45 - target: Article 46 - target: Article 47 - target: Article 48 - target: Article 49 - target: Article 50 - target: Article 18 - target: Article 7 - target: Article 8 - target: Article 11 - target: Article 20 - target: Article 21 paragraph: "1" - target: Article 21 paragraph: "3" - target: Article 29 - target: Article 30 - target: Article 32 - target: Article 33 - target: Article 34 - target: Article 37 - target: Article 38 - target: Article 8 paragraph: "3" - target: Article 10 paragraph: "5" - target: Article 11 paragraph: "4" external_references: - instrument_type: directive reference: "2014/65/EU" - instrument_type: regulation reference: "575/2013" - instrument_type: directive reference: "2014/65" - instrument_type: directive reference: "2011/83/EU" recitals: - 51 - 83 - article_number: 3 article_title: Definitions chunk_file: /ccd-2/chunks/ccd-2_t01_general_provisions.md path: "Chapter I > Article 3" applies_to_entities: - consumers topics: - consumer_credit - consumer_protection - information_requirements keywords: - consumer - transaction - access - third party - creditor - credit agreement - ancillary service - total cost of the credit to the consumer - total amount payable by the consumer - annual percentage rate of charge - apr - borrowing rate - fixed borrowing rate - total amount of credit - durable medium - credit intermediary - pre-contractual information - profiling - tying practice - bundling practice contains: obligations: true prohibitions: false permissions: true definitions: true penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 30 external_references: - instrument_type: regulation reference: "2016/679" recitals: [] - article_number: 4 article_title: Conversion of amounts expressed in euro into national currency chunk_file: /ccd-2/chunks/ccd-2_t01_general_provisions.md path: "Chapter I > Article 4" applies_to_entities: - member_states topics: - consumer_credit - consumer_protection keywords: [] contains: obligations: true prohibitions: false permissions: true definitions: true penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: - 83 - article_number: 5 article_title: Obligation to provide information free of charge to consumers chunk_file: /ccd-2/chunks/ccd-2_t01_general_provisions.md path: "Chapter I > Article 5" applies_to_entities: - member_states - consumers topics: - consumer_credit - consumer_protection keywords: - consumer contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: - 30 - 94 - article_number: 6 article_title: Non-discrimination chunk_file: /ccd-2/chunks/ccd-2_t01_general_provisions.md path: "Chapter I > Article 6" applies_to_entities: - member_states - consumers topics: - consumer_credit - consumer_protection keywords: - consumer - access - credit agreement contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: - 83 - article_number: 7 article_title: Advertising and marketing of credit agreements chunk_file: /ccd-2/chunks/ccd-2_t02_information_to_be_provided_prior_to_the_.md path: "Chapter II > Article 7" applies_to_entities: - member_states - consumers topics: - consumer_credit - consumer_protection keywords: - consumer - credit agreement - total amount payable by the consumer contains: obligations: true prohibitions: true permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 8 article_title: Standard information to be included in advertising of credit agreements chunk_file: /ccd-2/chunks/ccd-2_t02_information_to_be_provided_prior_to_the_.md path: "Chapter II > Article 8" applies_to_entities: - member_states - consumers topics: - consumer_credit - consumer_protection keywords: - consumer - data - access - credit agreement - ancillary service - total cost of the credit to the consumer - total amount payable by the consumer - annual percentage rate of charge - borrowing rate - total amount of credit contains: obligations: true prohibitions: true permissions: true definitions: true penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 9 article_title: General information chunk_file: /ccd-2/chunks/ccd-2_t02_information_to_be_provided_prior_to_the_.md path: "Chapter II > Article 9" applies_to_entities: - member_states - consumers topics: - consumer_credit - consumer_protection keywords: - consumer - creditor - credit agreement - ancillary service - total cost of the credit to the consumer - total amount payable by the consumer - annual percentage rate of charge - borrowing rate - total amount of credit - durable medium - early repayment contains: obligations: true prohibitions: false permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: - 55 - 57 - article_number: 10 article_title: Pre-contractual information chunk_file: /ccd-2/chunks/ccd-2_t02_information_to_be_provided_prior_to_the_.md path: "Chapter II > Article 10" applies_to_entities: - member_states - consumers topics: - consumer_credit - consumer_protection - refunds - information_requirements keywords: - consumer - transaction - data - access - creditor - credit agreement - ancillary service - total amount payable by the consumer - annual percentage rate of charge - borrowing rate - total amount of credit - durable medium - credit intermediary - pre-contractual information - profiling - linked credit agreement - early repayment contains: obligations: true prohibitions: true permissions: true definitions: true penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 26 - target: Article 19 paragraph: "6" external_references: - instrument_type: directive reference: "2002/65/EC" - instrument_type: directive reference: "2002/65/EC" - instrument_type: regulation reference: "2016/1011" - instrument_type: directive reference: "2002/65/EC" recitals: [] - article_number: 11 article_title: Pre-contractual information with regard to credit agreements referred to in Article 2(6) or (7) chunk_file: /ccd-2/chunks/ccd-2_t02_information_to_be_provided_prior_to_the_.md path: "Chapter II > Article 11" applies_to_entities: - consumers topics: - consumer_credit - consumer_protection - refunds - information_requirements keywords: - consumer - data - access - creditor - credit agreement - ancillary service - total amount payable by the consumer - annual percentage rate of charge - borrowing rate - total amount of credit - durable medium - credit intermediary - pre-contractual information - profiling - linked credit agreement - early repayment contains: obligations: true prohibitions: true permissions: true definitions: true penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 2 paragraph: "6" - target: Article 10 paragraph: "1" - target: Article 10 paragraph: "2" - target: Article 10 paragraph: "3" - target: Article 19 paragraph: "6" external_references: - instrument_type: directive reference: "2002/65" - instrument_type: directive reference: "2002/65/EC" recitals: [] - article_number: 12 article_title: Adequate explanations chunk_file: /ccd-2/chunks/ccd-2_t02_information_to_be_provided_prior_to_the_.md path: "Chapter II > Article 12" applies_to_entities: - member_states - consumers topics: - consumer_credit - consumer_protection keywords: - consumer - creditor - credit agreement - ancillary service contains: obligations: true prohibitions: false permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 10 - target: Article 11 - target: Article 38 external_references: [] recitals: [] - article_number: 13 article_title: Personalised offers on the basis of automated processing chunk_file: /ccd-2/chunks/ccd-2_t02_information_to_be_provided_prior_to_the_.md path: "Chapter II > Article 13" applies_to_entities: - member_states - consumers topics: - consumer_credit - consumer_protection - data_protection keywords: - consumer - data - creditor contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: - instrument_type: regulation reference: "2016/679" recitals: [] - article_number: 14 article_title: Tying and bundling practices chunk_file: /ccd-2/chunks/ccd-2_t03_tying_and_bundling_practices_inferred_ag.md path: "Chapter III > Article 14" applies_to_entities: - member_states - consumers topics: - consumer_credit - consumer_protection - data_protection keywords: - consumer - security - data - creditor - credit agreement - tying practice - bundling practice contains: obligations: true prohibitions: false permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: - 46 - article_number: 15 article_title: Inferred agreement for the conclusion of any credit agreement or the purchase of ancillary services chunk_file: /ccd-2/chunks/ccd-2_t03_tying_and_bundling_practices_inferred_ag.md path: "Chapter III > Article 15" applies_to_entities: - member_states - consumers topics: - consumer_credit - consumer_protection keywords: - consumer - creditor - credit agreement - ancillary service contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 16 article_title: Advisory services chunk_file: /ccd-2/chunks/ccd-2_t03_tying_and_bundling_practices_inferred_ag.md path: "Chapter III > Article 16" applies_to_entities: - member_states - competent_authorities - consumers topics: - consumer_credit - consumer_protection - authorisation - information_requirements keywords: - consumer - transaction - creditor - credit agreement - durable medium - credit intermediary - pre-contractual information - advisory services - debt advisory services contains: obligations: true prohibitions: true permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 10 paragraph: "6" - target: Article 36 external_references: [] recitals: [] - article_number: 17 article_title: Ban on unsolicited granting of credit chunk_file: /ccd-2/chunks/ccd-2_t03_tying_and_bundling_practices_inferred_ag.md path: "Chapter III > Article 17" applies_to_entities: - member_states - consumers topics: - consumer_credit - consumer_protection keywords: - consumer contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 18 article_title: Obligation to assess the creditworthiness of the consumer chunk_file: /ccd-2/chunks/ccd-2_t04_assessment_of_creditworthiness_and_datab.md path: "Chapter IV > Article 18" applies_to_entities: - member_states - consumers topics: - consumer_credit - consumer_protection - data_access - payment_systems - data_protection keywords: - consumer - data - access - network - creditor - credit agreement - total amount of credit - advisory services - debt advisory services contains: obligations: true prohibitions: true permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 19 external_references: - instrument_type: regulation reference: "2016/679" recitals: [] - article_number: 19 article_title: Databases chunk_file: /ccd-2/chunks/ccd-2_t04_assessment_of_creditworthiness_and_datab.md path: "Chapter IV > Article 19" applies_to_entities: - member_states - competent_authorities - consumers topics: - consumer_credit - consumer_protection - data_access - payment_systems - data_protection keywords: - supervision - consumer - data - access - cross-border - network - creditor - credit agreement contains: obligations: true prohibitions: true permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: - instrument_type: regulation reference: "2016/679" recitals: [] - article_number: 20 article_title: Form of the credit agreement chunk_file: /ccd-2/chunks/ccd-2_t05_form_and_content_of_credit_agreements.md path: "Chapter V > Article 20" applies_to_entities: - member_states topics: - consumer_credit - consumer_protection keywords: - credit agreement - durable medium contains: obligations: true prohibitions: false permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 21 article_title: Information to be included in the credit agreement chunk_file: /ccd-2/chunks/ccd-2_t05_form_and_content_of_credit_agreements.md path: "Chapter V > Article 21" applies_to_entities: - member_states - competent_authorities - consumers topics: - consumer_credit - consumer_protection - refunds keywords: - consumer - transaction - data - access - notification - creditor - credit agreement - total amount payable by the consumer - annual percentage rate of charge - borrowing rate - total amount of credit - durable medium - credit intermediary - advisory services - linked credit agreement - early repayment - debt advisory services contains: obligations: true prohibitions: false permissions: true definitions: true penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 26 paragraph: "5" - target: Article 10 paragraph: "1" - target: Article 22 - target: Article 23 paragraph: "1" - target: Article 24 paragraph: "1" - target: Article 24 paragraph: "2" - target: Article 28 paragraph: "1" - target: Article 28 paragraph: "2" - target: Article 27 - target: Article 29 external_references: [] recitals: - 31 - article_number: 22 article_title: Information regarding the modification of the credit agreement chunk_file: /ccd-2/chunks/ccd-2_t06_modifications_of_the_credit_agreement_an.md path: "Chapter VI > Article 22" applies_to_entities: - member_states - competent_authorities - consumers topics: - consumer_credit - consumer_protection keywords: - consumer - consent - creditor - credit agreement - durable medium contains: obligations: true prohibitions: false permissions: true definitions: true penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 23 article_title: Changes in the borrowing rate chunk_file: /ccd-2/chunks/ccd-2_t06_modifications_of_the_credit_agreement_an.md path: "Chapter VI > Article 23" applies_to_entities: - member_states - consumers topics: - consumer_credit - consumer_protection keywords: - consumer - creditor - credit agreement - borrowing rate - durable medium contains: obligations: true prohibitions: false permissions: true definitions: true penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: true internal_references: [] external_references: [] recitals: [] - article_number: 24 article_title: Overdraft facilities chunk_file: /ccd-2/chunks/ccd-2_t07_overdraft_facilities_and_overrunning.md path: "Chapter VII > Article 24" applies_to_entities: - member_states - consumers topics: - consumer_credit - consumer_protection keywords: - consumer - creditor - credit agreement - borrowing rate - durable medium - overdraft facility contains: obligations: true prohibitions: false permissions: true definitions: true penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 25 article_title: Overrunning chunk_file: /ccd-2/chunks/ccd-2_t07_overdraft_facilities_and_overrunning.md path: "Chapter VII > Article 25" applies_to_entities: - member_states - consumers topics: - consumer_credit - consumer_protection keywords: - consumer - creditor - credit agreement - borrowing rate - durable medium - advisory services - overrunning - debt advisory services contains: obligations: true prohibitions: false permissions: true definitions: false penalties: true delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 26 article_title: Right of withdrawal chunk_file: /ccd-2/chunks/ccd-2_t08_withdrawal_termination_and_early_repayme.md path: "Chapter VIII > Article 26" applies_to_entities: - member_states - consumers topics: - consumer_credit - consumer_protection - refunds keywords: - refund - consumer - third party - notification - creditor - credit agreement - ancillary service - borrowing rate - durable medium - linked credit agreement contains: obligations: true prohibitions: true permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 20 - target: Article 21 - target: Article 21 paragraph: "1" - target: Article 10 - target: Article 11 external_references: - instrument_type: directive reference: "2002/65/EC" - instrument_type: directive reference: "2002/65/EC" recitals: - 9 - article_number: 27 article_title: Linked credit agreements chunk_file: /ccd-2/chunks/ccd-2_t08_withdrawal_termination_and_early_repayme.md path: "Chapter VIII > Article 27" applies_to_entities: - member_states - consumers topics: - consumer_credit - consumer_protection - liability keywords: - consumer - creditor - credit agreement - linked credit agreement contains: obligations: true prohibitions: false permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 28 article_title: Open-end credit agreements chunk_file: /ccd-2/chunks/ccd-2_t08_withdrawal_termination_and_early_repayme.md path: "Chapter VIII > Article 28" applies_to_entities: - member_states - consumers topics: - consumer_credit - consumer_protection keywords: - consumer - security - creditor - credit agreement - durable medium contains: obligations: true prohibitions: true permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 29 article_title: Early repayment chunk_file: /ccd-2/chunks/ccd-2_t08_withdrawal_termination_and_early_repayme.md path: "Chapter VIII > Article 29" applies_to_entities: - member_states - consumers topics: - consumer_credit - consumer_protection - insurance keywords: - consumer - creditor - credit agreement - total cost of the credit to the consumer - borrowing rate - overdraft facility - early repayment contains: obligations: true prohibitions: true permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 30 article_title: Calculation of the annual percentage rate of charge chunk_file: /ccd-2/chunks/ccd-2_t09_annual_percentage_rate_of_charge_and_mea.md path: "Chapter IX > Article 30" applies_to_entities: - european_commission - consumers topics: - consumer_credit - consumer_protection keywords: - consumer - transaction - creditor - credit agreement - total cost of the credit to the consumer - annual percentage rate of charge - borrowing rate contains: obligations: true prohibitions: false permissions: false definitions: true penalties: false delegated_powers: true implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 45 external_references: [] recitals: [] - article_number: 31 article_title: "Measures to limit borrowing rates, annual percentage rates of charge or total costs of credit to the consumer" chunk_file: /ccd-2/chunks/ccd-2_t09_annual_percentage_rate_of_charge_and_mea.md path: "Chapter IX > Article 31" applies_to_entities: - member_states - european_banking_authority - european_commission - consumers topics: - consumer_credit - consumer_protection keywords: - consumer - creditor - borrowing rate contains: obligations: true prohibitions: false permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 32 article_title: Conduct of business obligations when providing credit to consumers chunk_file: /ccd-2/chunks/ccd-2_t10_conduct_of_business_obligations_and_requ.md path: "Chapter X > Article 32" applies_to_entities: - member_states - consumers topics: - consumer_credit - consumer_protection - remuneration - conflicts_of_interest keywords: - consumer - creditor - credit agreement - ancillary service - credit intermediary - advisory services contains: obligations: true prohibitions: false permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 7 - target: Article 8 - target: Article 16 paragraph: "3" external_references: [] recitals: [] - article_number: 33 article_title: Knowledge and competence requirements for staff chunk_file: /ccd-2/chunks/ccd-2_t10_conduct_of_business_obligations_and_requ.md path: "Chapter X > Article 33" applies_to_entities: - member_states - competent_authorities - consumers topics: - consumer_credit - consumer_protection keywords: - supervision - consumer - creditor - credit agreement - ancillary service - advisory services contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 34 article_title: Financial education chunk_file: /ccd-2/chunks/ccd-2_t11_financial_education_and_support_to_consu.md path: "Chapter XI > Article 34" applies_to_entities: - member_states - competent_authorities - consumers topics: - consumer_credit - consumer_protection keywords: - consumer - credit agreement contains: obligations: true prohibitions: false permissions: true definitions: true penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 35 article_title: Arrears and forbearance measures chunk_file: /ccd-2/chunks/ccd-2_t11_financial_education_and_support_to_consu.md path: "Chapter XI > Article 35" applies_to_entities: - member_states - consumers topics: - consumer_credit - consumer_protection - consolidation keywords: - consumer - transfer - creditor - credit agreement - total amount payable by the consumer - borrowing rate - linked credit agreement contains: obligations: true prohibitions: true permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 18 external_references: [] recitals: [] - article_number: 36 article_title: Debt advisory services chunk_file: /ccd-2/chunks/ccd-2_t11_financial_education_and_support_to_consu.md path: "Chapter XI > Article 36" applies_to_entities: - member_states - european_commission - consumers topics: - consumer_credit - consumer_protection keywords: - consumer - access - creditor - advisory services - debt advisory services contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 37 article_title: "Admission, registration and supervision of non-credit institutions and non-payment institutions" chunk_file: /ccd-2/chunks/ccd-2_t12_creditors_and_credit_intermediaries.md path: "Chapter XII > Article 37" applies_to_entities: - payment_institutions - credit_institutions - member_states - competent_authorities - consumers topics: - consumer_credit - consumer_protection keywords: - supervision - consumer - electronic money - creditor contains: obligations: true prohibitions: true permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: - instrument_type: regulation reference: "575/2013" - instrument_type: directive reference: "2015/2366" - instrument_type: directive reference: "2009/110/EC" recitals: [] - article_number: 38 article_title: Specific obligations for credit intermediaries chunk_file: /ccd-2/chunks/ccd-2_t12_creditors_and_credit_intermediaries.md path: "Chapter XII > Article 38" applies_to_entities: - member_states - consumers topics: - consumer_credit - consumer_protection keywords: - consumer - creditor - credit agreement - annual percentage rate of charge - durable medium - credit intermediary contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: - 11 - article_number: 39 article_title: Assignment of rights chunk_file: /ccd-2/chunks/ccd-2_t13_assignments_of_rights_and_dispute_resolu.md path: "Chapter XIII > Article 39" applies_to_entities: - member_states - consumers topics: - consumer_credit - consumer_protection - recovery_resolution - dispute_resolution keywords: - consumer - third party - creditor - credit agreement contains: obligations: true prohibitions: false permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 40 article_title: Out-of-court dispute resolution chunk_file: /ccd-2/chunks/ccd-2_t13_assignments_of_rights_and_dispute_resolu.md path: "Chapter XIII > Article 40" applies_to_entities: - member_states - consumers topics: - consumer_credit - consumer_protection - recovery_resolution - dispute_resolution keywords: - consumer - access - cross-border - settlement - creditor - credit agreement contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: - instrument_type: directive reference: "2013/11/EU" recitals: [] - article_number: 41 article_title: Competent authorities chunk_file: /ccd-2/chunks/ccd-2_t14_competent_authorities.md path: "Chapter XIV > Article 41" applies_to_entities: - member_states - competent_authorities - european_commission topics: - consumer_credit - consumer_protection - competent_authorities keywords: - supervision - notification - creditor contains: obligations: true prohibitions: true permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: - instrument_type: regulation reference: "1093/2010" - instrument_type: regulation reference: "2017/2394" recitals: [] - article_number: 42 article_title: Level of harmonisation chunk_file: /ccd-2/chunks/ccd-2_t15_final_provisions.md path: "Chapter XV > Article 42" applies_to_entities: - member_states - european_commission - consumers topics: - consumer_credit - consumer_protection - final_provisions keywords: - consumer - access - creditor contains: obligations: true prohibitions: true permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 2 paragraph: "5" - target: Article 8 paragraph: "8" - target: Article 14 paragraph: "2" - target: Article 14 paragraph: "3" - target: Article 16 paragraph: "4" - target: Article 16 paragraph: "6" - target: Article 18 paragraph: "11" - target: Article 24 paragraph: "5" - target: Article 25 paragraph: "6" - target: Article 26 paragraph: "4" - target: Article 26 paragraph: "8" - target: Article 29 paragraph: "4" - target: Article 31 paragraph: "2" - target: Article 32 paragraph: "4" - target: Article 32 paragraph: "5" - target: Article 35 paragraph: "3" - target: Article 35 paragraph: "4" - target: Article 37 paragraph: "3" - target: Article 41 paragraph: "9" external_references: [] recitals: - 98 - article_number: 43 article_title: Imperative nature of this Directive chunk_file: /ccd-2/chunks/ccd-2_t15_final_provisions.md path: "Chapter XV > Article 43" applies_to_entities: - member_states - consumers topics: - consumer_credit - consumer_protection - final_provisions keywords: - consumer contains: obligations: true prohibitions: true permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 44 article_title: Penalties chunk_file: /ccd-2/chunks/ccd-2_t15_final_provisions.md path: "Chapter XV > Article 44" applies_to_entities: - member_states - competent_authorities - european_commission topics: - consumer_credit - consumer_protection - final_provisions - liability - enforcement keywords: - penalty contains: obligations: true prohibitions: false permissions: true definitions: false penalties: true delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: - instrument_type: regulation reference: "2017/2394" recitals: [] - article_number: 45 article_title: Exercise of the delegation chunk_file: /ccd-2/chunks/ccd-2_t15_final_provisions.md path: "Chapter XV > Article 45" applies_to_entities: - member_states - european_commission topics: - consumer_credit - consumer_protection - final_provisions keywords: - notification contains: obligations: true prohibitions: true permissions: true definitions: false penalties: false delegated_powers: true implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 30 paragraph: "5" external_references: [] recitals: [] - article_number: 46 article_title: Review and monitoring chunk_file: /ccd-2/chunks/ccd-2_t15_final_provisions.md path: "Chapter XV > Article 46" applies_to_entities: - european_commission - consumers topics: - consumer_credit - consumer_protection - final_provisions keywords: - consumer - creditor - credit agreement - early repayment contains: obligations: true prohibitions: false permissions: false definitions: false penalties: true delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 2 paragraph: "2" - target: Article 29 paragraph: "2" - target: Article 44 paragraph: "1" - target: Article 44 paragraph: "2" - target: Article 42 external_references: - instrument_type: regulation reference: "2020/1503" recitals: [] - article_number: 47 article_title: Repeal and transitional provisions chunk_file: /ccd-2/chunks/ccd-2_t15_final_provisions.md path: "Chapter XV > Article 47" applies_to_entities: [] topics: - consumer_credit - consumer_protection - final_provisions keywords: - credit agreement contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: true internal_references: - target: Article 23 - target: Article 24 - target: Article 25 paragraph: "1" - target: Article 25 paragraph: "2" - target: Article 28 - target: Article 39 external_references: - instrument_type: directive reference: "2008/48/EC" recitals: [] - article_number: 48 article_title: Transposition chunk_file: /ccd-2/chunks/ccd-2_t15_final_provisions.md path: "Chapter XV > Article 48" applies_to_entities: - member_states - european_commission topics: - consumer_credit - consumer_protection - final_provisions keywords: [] contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 49 article_title: Entry into force chunk_file: /ccd-2/chunks/ccd-2_t15_final_provisions.md path: "Chapter XV > Article 49" applies_to_entities: [] topics: - consumer_credit - consumer_protection - final_provisions keywords: [] contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: true internal_references: [] external_references: [] recitals: [] - article_number: 50 article_title: Addressees chunk_file: /ccd-2/chunks/ccd-2_t15_final_provisions.md path: "Chapter XV > Article 50" applies_to_entities: - member_states topics: - consumer_credit - consumer_protection - final_provisions keywords: [] contains: obligations: false prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: []