# Instrument Metadata
# Output tuned for LLM consumption -- deterministic parse of the
# EUR-Lex source, no LLM involved in generation.

instrument_id: consumer-credit
celex: "32008L0048"
eli: "http://data.europa.eu/eli/dir/2008/48/oj"
full_title: Consumer Credit Directive 2008/48/EC
short_title: CCD
instrument_type: directive
document_type: directive
normative_weight: binding
jurisdiction: EU
effective_period:
  from: "2008-05-22"
  to: null
dates:
  adopted: "2008-04-23"
  entered_into_force: "2008-05-22"
status: in_force
legal_status: in_force
structure_levels:
  - title
  - chapter
  - article
total_articles: 34
total_recitals: 0
total_annexes: 3
definitions_article: 3
chunk_strategy: by_chapter
chunks:
  - /consumer-credit/chunks/consumer-credit_t01_subject_matter_scope_and_definitions.md
  - /consumer-credit/chunks/consumer-credit_t02_information_and_practices_preliminary_to.md
  - /consumer-credit/chunks/consumer-credit_t03_database_access.md
  - /consumer-credit/chunks/consumer-credit_t04_information_and_rights_concerning_credit.md
  - /consumer-credit/chunks/consumer-credit_t05_annual_percentage_rate_of_charge.md
  - /consumer-credit/chunks/consumer-credit_t06_creditors_and_credit_intermediaries.md
  - /consumer-credit/chunks/consumer-credit_t07_implementing_measures.md
  - /consumer-credit/chunks/consumer-credit_t08_transitional_and_final_provisions.md
  - /consumer-credit/chunks/annexes.md
key_dates:
  - date: "1985-12-20"
    type: citation
    article: "14"
    context: "…6 and 7 of Directive 2002/65/EC and Article 5 of Council Directive 85/577/EEC of 20 December 1985 to protect the consumer in respect of…"
  - date: "1995-10-24"
    type: citation
    article: "9"
    context: "…the application of Directive 95/46/EC of the European Parliament and of the Council of 24 October 1995 on the protection of individuals with…"
  - date: "2004-04-21"
    type: citation
    article: "2"
    context: "…Article 4(1) of Directive 2004/39/EC of the European Parliament and of the Council of 21 April 2004 on markets in financial instruments…"
  - date: "2008-04-23"
    type: lifecycle
    context: "Adopted"
  - date: "2008-05-22"
    type: lifecycle
    context: "Entered into force"
  - date: "2010-06-11"
    type: application
    article: "27"
    context: "…shall forthwith inform the Commission thereof. They shall apply those provisions from 11 June 2010. By 1 July 2018 Member States shall…"
  - date: "2010-06-11"
    type: application
    article: "29"
    context: "Directive 87/102/EEC shall be repealed with effect from 11 June 2010."
  - date: "2010-06-11"
    type: deadline
    article: "27"
    context: "1. Before 11 June 2010 Member States shall adopt and publish…"
  - date: "2016-04-13"
    type: citation
    article: "24a"
    context: "…in accordance with the principles laid down in the Interinstitutional Agreement of 13 April 2016 on Better Law-Making (5). 5. As soon…"
  - date: "2018-07-01"
    type: application
    article: "27"
    context: "…and shall communicate them to the Commission. They shall apply those provisions from 1 July 2018. When Member States adopt these…"
  - date: "2018-07-01"
    type: deadline
    article: "27"
    context: "…inform the Commission thereof. They shall apply those provisions from 11 June 2010. By 1 July 2018 Member States shall adopt and publish…"

generated_at: "2026-09-08T12:36:52.550Z"

articles:
  - article_number: 1
    article_title: Subject matter
    chunk_file: /consumer-credit/chunks/consumer-credit_t01_subject_matter_scope_and_definitions.md
    path: "Title 1 > Article 1"
    applies_to_entities:
      - member_states
      - consumers
    topics:
      - consumer_credit
      - consumer_protection
      - scope
      - general_provisions
      - definitions
    keywords:
      - consumer
      - POS
    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: /consumer-credit/chunks/consumer-credit_t01_subject_matter_scope_and_definitions.md
    path: "Title 1 > Article 2"
    applies_to_entities:
      - credit_institutions
      - member_states
      - consumers
    topics:
      - consumer_credit
      - consumer_protection
      - scope
      - general_provisions
      - definitions
      - liability
    keywords:
      - liability
      - consumer
      - transaction
      - SEPA
      - POS
      - security
      - settlement
      - ITS
      - creditor
      - credit agreement
      - overdraft facility
      - overrunning
      - annual percentage rate of charge
      - total amount of credit
    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 1
      - target: Article 2
      - target: Article 3
      - target: Article 4
        paragraph: "1"
      - target: Article 4
        paragraph: "2"
      - target: Article 4
        paragraph: "4"
      - target: Article 6
      - target: Article 7
      - target: Article 8
      - target: Article 9
      - target: Article 10
        paragraph: "1"
      - target: Article 10
        paragraph: "4"
      - target: Article 10
        paragraph: "5"
      - target: Article 12
      - target: Article 15
      - target: Article 17
      - target: Article 19
      - target: Article 20
      - target: Article 21
      - target: Article 22
      - target: Article 23
      - target: Article 24
      - target: Article 25
      - target: Article 26
      - target: Article 27
      - target: Article 28
      - target: Article 29
      - target: Article 30
      - target: Article 31
      - target: Article 32
      - target: Article 4
      - target: Article 10
        paragraph: "2"
      - target: Article 11
      - target: Article 13
      - target: Article 16
      - target: Article 18
    external_references: []
    recitals: []

  - article_number: 3
    article_title: Definitions
    chunk_file: /consumer-credit/chunks/consumer-credit_t01_subject_matter_scope_and_definitions.md
    path: "Title 1 > Article 3"
    applies_to_entities:
      - consumers
    topics:
      - consumer_credit
      - consumer_protection
      - scope
      - general_provisions
      - definitions
    keywords:
      - consumer
      - transaction
      - POS
      - access
      - third party
      - creditor
      - credit agreement
      - overdraft facility
      - overrunning
      - credit intermediary
      - total cost of the credit to the consumer
      - total amount payable by the consumer
      - annual percentage rate of charge
      - borrowing rate
      - fixed borrowing rate
      - total amount of credit
      - durable medium
      - linked 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:
      - target: Article 19
        paragraph: "2"
    external_references: []
    recitals: []

  - article_number: 4
    article_title: Standard information to be included in advertising
    chunk_file: /consumer-credit/chunks/consumer-credit_t02_information_and_practices_preliminary_to.md
    path: "Title 2 > Article 4"
    applies_to_entities:
      - member_states
      - consumers
    topics:
      - consumer_credit
      - consumer_protection
    keywords:
      - consumer
      - credit agreement
      - 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:
      - target: Article 2
        paragraph: "3"
    external_references: []
    recitals: []

  - article_number: 5
    article_title: Pre-contractual information
    chunk_file: /consumer-credit/chunks/consumer-credit_t02_information_and_practices_preliminary_to.md
    path: "Title 2 > Article 5"
    applies_to_entities:
      - member_states
      - consumers
    topics:
      - consumer_credit
      - consumer_protection
      - refunds
      - information_requirements
    keywords:
      - API
      - consumer
      - transaction
      - SEPA
      - POS
      - data
      - ITS
      - creditor
      - credit agreement
      - credit intermediary
      - total amount payable by the consumer
      - annual percentage rate of charge
      - borrowing rate
      - total amount of credit
      - durable medium
      - linked credit agreement
    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 3
      - target: Article 16
      - target: Article 9
        paragraph: "2"
    external_references:
      - instrument_type: directive
        reference: "2002/65"
      - instrument_type: regulation
        reference: "2016/1011"
      - instrument_type: directive
        reference: "2002/65/EC"
    recitals: []

  - article_number: 6
    article_title: Pre-contractual information requirements for certain credit agreements in the form of an overdraft facility and for certain specific credit agreements
    chunk_file: /consumer-credit/chunks/consumer-credit_t02_information_and_practices_preliminary_to.md
    path: "Title 2 > Article 6"
    applies_to_entities:
      - member_states
      - consumers
    topics:
      - consumer_credit
      - consumer_protection
      - refunds
      - information_requirements
    keywords:
      - consumer
      - POS
      - data
      - ITS
      - creditor
      - credit agreement
      - overdraft facility
      - credit intermediary
      - annual percentage rate of charge
      - borrowing rate
      - total amount of credit
      - durable medium
    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: "3"
      - target: Article 2
        paragraph: "5"
      - target: Article 9
        paragraph: "2"
      - target: Article 2
        paragraph: "6"
      - target: Article 2
        paragraph: "2"
      - target: Article 10
    external_references:
      - instrument_type: directive
        reference: "2002/65/EC"
    recitals: []

  - article_number: 7
    article_title: Exemptions from the pre-contractual information requirements
    chunk_file: /consumer-credit/chunks/consumer-credit_t02_information_and_practices_preliminary_to.md
    path: "Title 2 > Article 7"
    applies_to_entities:
      - consumers
    topics:
      - consumer_credit
      - consumer_protection
      - information_requirements
    keywords:
      - consumer
      - 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 5
      - target: Article 6
    external_references: []
    recitals: []

  - article_number: 8
    article_title: Obligation to assess the creditworthiness of the consumer
    chunk_file: /consumer-credit/chunks/consumer-credit_t02_information_and_practices_preliminary_to.md
    path: "Title 2 > Article 8"
    applies_to_entities:
      - member_states
      - consumers
    topics:
      - consumer_credit
      - consumer_protection
    keywords:
      - consumer
      - POS
      - data
      - creditor
      - credit agreement
      - total amount of credit
    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: 9
    article_title: Database access
    chunk_file: /consumer-credit/chunks/consumer-credit_t03_database_access.md
    path: "Title 3 > Article 9"
    applies_to_entities:
      - member_states
      - consumers
    topics:
      - consumer_credit
      - consumer_protection
      - data_access
      - payment_systems
      - data_protection
    keywords:
      - consumer
      - security
      - data
      - access
      - cross-border
      - 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: []
    external_references:
      - instrument_type: directive
        reference: "95/46/EC"
    recitals: []

  - article_number: 10
    article_title: Information to be included in credit agreements
    chunk_file: /consumer-credit/chunks/consumer-credit_t04_information_and_rights_concerning_credit.md
    path: "Title 4 > Article 10"
    applies_to_entities:
      - member_states
      - competent_authorities
      - consumers
    topics:
      - consumer_credit
      - consumer_protection
      - refunds
    keywords:
      - API
      - consumer
      - transaction
      - POS
      - data
      - access
      - ITS
      - creditor
      - credit agreement
      - credit intermediary
      - 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
      - linked 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:
      - target: Article 14
        paragraph: "3"
      - target: Article 15
      - target: Article 2
        paragraph: "3"
      - target: Article 19
        paragraph: "2"
    external_references: []
    recitals: []

  - article_number: 11
    article_title: Information concerning the borrowing rate
    chunk_file: /consumer-credit/chunks/consumer-credit_t04_information_and_rights_concerning_credit.md
    path: "Title 4 > Article 11"
    applies_to_entities:
      - 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: 11a
    article_title: Information regarding the modification of the terms and conditions of a credit agreement
    chunk_file: /consumer-credit/chunks/consumer-credit_t04_information_and_rights_concerning_credit.md
    path: "Title 4 > Article 11a"
    applies_to_entities:
      - member_states
      - competent_authorities
      - consumers
    topics:
      - consumer_credit
      - consumer_protection
    keywords:
      - SCA
      - consumer
      - POS
      - consent
      - creditor
      - credit agreement
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      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: 12
    article_title: Obligations in connection with credit agreement in the form of an overdraft facility
    chunk_file: /consumer-credit/chunks/consumer-credit_t04_information_and_rights_concerning_credit.md
    path: "Title 4 > Article 12"
    applies_to_entities:
      - consumers
    topics:
      - consumer_credit
      - consumer_protection
    keywords:
      - consumer
      - creditor
      - credit agreement
      - overdraft facility
      - 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: false
    internal_references: []
    external_references: []
    recitals: []

  - article_number: 13
    article_title: Open-end credit agreements
    chunk_file: /consumer-credit/chunks/consumer-credit_t04_information_and_rights_concerning_credit.md
    path: "Title 4 > Article 13"
    applies_to_entities:
      - consumers
    topics:
      - consumer_credit
      - consumer_protection
    keywords:
      - consumer
      - POS
      - 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: 14
    article_title: Right of withdrawal
    chunk_file: /consumer-credit/chunks/consumer-credit_t04_information_and_rights_concerning_credit.md
    path: "Title 4 > Article 14"
    applies_to_entities:
      - member_states
      - consumers
    topics:
      - consumer_credit
      - consumer_protection
    keywords:
      - API
      - consumer
      - access
      - third party
      - notification
      - creditor
      - credit agreement
      - borrowing rate
      - durable medium
      - linked credit agreement
    contains:
      obligations: true
      prohibitions: true
      permissions: true
      definitions: true
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: true
    internal_references:
      - target: Article 10
      - target: Article 10
        paragraph: "2"
      - target: Article 5
    external_references:
      - instrument_type: directive
        reference: "2002/65/EC"
      - instrument_type: directive
        reference: "2002/65/EC"
      - instrument_type: directive
        reference: "2002/65/EC"
      - instrument_type: directive
        reference: "2002/65/EC"
      - instrument_type: directive
        reference: "2002/65/EC"
      - instrument_type: directive
        reference: "2002/65/EC"
    recitals: []

  - article_number: 15
    article_title: Linked credit agreements
    chunk_file: /consumer-credit/chunks/consumer-credit_t04_information_and_rights_concerning_credit.md
    path: "Title 4 > Article 15"
    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: 16
    article_title: Early repayment
    chunk_file: /consumer-credit/chunks/consumer-credit_t04_information_and_rights_concerning_credit.md
    path: "Title 4 > Article 16"
    applies_to_entities:
      - member_states
      - consumers
    topics:
      - consumer_credit
      - consumer_protection
      - insurance
    keywords:
      - consumer
      - POS
      - creditor
      - credit agreement
      - borrowing rate
    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: 16a
    article_title: Arrears and enforcement
    chunk_file: /consumer-credit/chunks/consumer-credit_t04_information_and_rights_concerning_credit.md
    path: "Title 4 > Article 16a"
    applies_to_entities:
      - member_states
      - consumers
    topics:
      - consumer_credit
      - consumer_protection
      - consolidation
    keywords:
      - consumer
      - POS
      - RTS
      - 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: 17
    article_title: Assignment of rights
    chunk_file: /consumer-credit/chunks/consumer-credit_t04_information_and_rights_concerning_credit.md
    path: "Title 4 > Article 17"
    applies_to_entities:
      - member_states
      - consumers
    topics:
      - consumer_credit
      - consumer_protection
    keywords:
      - consumer
      - third party
      - ITS
      - 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: 18
    article_title: Overrunning
    chunk_file: /consumer-credit/chunks/consumer-credit_t04_information_and_rights_concerning_credit.md
    path: "Title 4 > Article 18"
    applies_to_entities:
      - consumers
    topics:
      - consumer_credit
      - consumer_protection
    keywords:
      - consumer
      - POS
      - creditor
      - overrunning
      - borrowing rate
      - durable medium
    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 6
        paragraph: "1"
    external_references: []
    recitals: []

  - article_number: 19
    article_title: Calculation of the annual percentage rate of charge
    chunk_file: /consumer-credit/chunks/consumer-credit_t05_annual_percentage_rate_of_charge.md
    path: "Title 5 > Article 19"
    applies_to_entities:
      - european_commission
      - consumers
    topics:
      - consumer_credit
      - consumer_protection
    keywords:
      - consumer
      - transaction
      - SEPA
      - POS
      - creditor
      - credit agreement
      - total cost of the credit to the consumer
      - annual percentage rate of charge
      - borrowing rate
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: true
      penalties: false
      delegated_powers: true
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 24a
    external_references: []
    recitals: []

  - article_number: 20
    article_title: Regulation of creditors
    chunk_file: /consumer-credit/chunks/consumer-credit_t06_creditors_and_credit_intermediaries.md
    path: "Title 6 > Article 20"
    applies_to_entities:
      - member_states
      - financial_entities
    topics:
      - consumer_credit
      - consumer_protection
    keywords:
      - 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: []
    recitals: []

  - article_number: 21
    article_title: Certain obligations of credit intermediaries vis-à-vis consumers
    chunk_file: /consumer-credit/chunks/consumer-credit_t06_creditors_and_credit_intermediaries.md
    path: "Title 6 > Article 21"
    applies_to_entities:
      - member_states
      - consumers
    topics:
      - consumer_credit
      - consumer_protection
    keywords:
      - consumer
      - POS
      - creditor
      - credit agreement
      - credit intermediary
      - annual percentage rate of charge
      - durable medium
    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: 22
    article_title: Harmonisation and imperative nature of this Directive
    chunk_file: /consumer-credit/chunks/consumer-credit_t07_implementing_measures.md
    path: "Title 7 > Article 22"
    applies_to_entities:
      - member_states
      - consumers
    topics:
      - consumer_credit
      - consumer_protection
    keywords:
      - consumer
      - POS
      - ITS
      - credit agreement
    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 16a
        paragraph: "3"
      - target: Article 16a
        paragraph: "4"
    external_references: []
    recitals: []

  - article_number: 23
    article_title: Penalties
    chunk_file: /consumer-credit/chunks/consumer-credit_t07_implementing_measures.md
    path: "Title 7 > Article 23"
    applies_to_entities:
      - member_states
    topics:
      - consumer_credit
      - consumer_protection
      - enforcement
    keywords: []
    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: []
    external_references: []
    recitals: []

  - article_number: 24
    article_title: Out-of-court dispute resolution
    chunk_file: /consumer-credit/chunks/consumer-credit_t07_implementing_measures.md
    path: "Title 7 > Article 24"
    applies_to_entities:
      - member_states
      - consumers
    topics:
      - consumer_credit
      - consumer_protection
    keywords:
      - consumer
      - cross-border
      - settlement
      - 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: []

  - article_number: 24a
    article_title: Exercise of the delegation
    chunk_file: /consumer-credit/chunks/consumer-credit_t07_implementing_measures.md
    path: "Title 7 > Article 24a"
    applies_to_entities:
      - member_states
      - european_commission
    topics:
      - consumer_credit
      - consumer_protection
    keywords:
      - POS
      - RTS
      - 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 19
        paragraph: "5"
    external_references: []
    recitals: []

  - article_number: 26
    article_title: Information to be supplied to the Commission
    chunk_file: /consumer-credit/chunks/consumer-credit_t07_implementing_measures.md
    path: "Title 7 > Article 26"
    applies_to_entities:
      - member_states
      - european_commission
      - consumers
    topics:
      - consumer_credit
      - consumer_protection
    keywords:
      - consumer
      - access
      - 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:
      - target: Article 2
        paragraph: "5"
      - target: Article 4
        paragraph: "1"
      - target: Article 4
        paragraph: "2"
      - target: Article 6
        paragraph: "2"
      - target: Article 10
        paragraph: "1"
      - target: Article 10
        paragraph: "5"
      - target: Article 14
        paragraph: "2"
      - target: Article 16
        paragraph: "4"
    external_references: []
    recitals: []

  - article_number: 27
    article_title: Transposition
    chunk_file: /consumer-credit/chunks/consumer-credit_t07_implementing_measures.md
    path: "Title 7 > Article 27"
    applies_to_entities:
      - member_states
      - european_commission
      - consumers
    topics:
      - consumer_credit
      - consumer_protection
    keywords:
      - consumer
      - POS
      - ITS
    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:
      - target: Article 5
        paragraph: "1"
      - target: Article 2
        paragraph: "5"
      - target: Article 4
        paragraph: "1"
      - target: Article 4
        paragraph: "2"
      - target: Article 6
        paragraph: "2"
      - target: Article 10
        paragraph: "1"
      - target: Article 10
        paragraph: "5"
      - target: Article 14
        paragraph: "2"
      - target: Article 16
        paragraph: "4"
    external_references: []
    recitals: []

  - article_number: 28
    article_title: Conversion of amounts expressed in euro into national currency
    chunk_file: /consumer-credit/chunks/consumer-credit_t07_implementing_measures.md
    path: "Title 7 > Article 28"
    applies_to_entities:
      - member_states
    topics:
      - consumer_credit
      - consumer_protection
    keywords:
      - POS
    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: 29
    article_title: Repeal
    chunk_file: /consumer-credit/chunks/consumer-credit_t08_transitional_and_final_provisions.md
    path: "Title 8 > Article 29"
    applies_to_entities: []
    topics:
      - consumer_credit
      - consumer_protection
      - final_provisions
      - transitional_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: 30
    article_title: Transitional measures
    chunk_file: /consumer-credit/chunks/consumer-credit_t08_transitional_and_final_provisions.md
    path: "Title 8 > Article 30"
    applies_to_entities:
      - member_states
    topics:
      - consumer_credit
      - consumer_protection
      - final_provisions
      - transitional_provisions
      - implementing_acts
    keywords:
      - credit agreement
    contains:
      obligations: true
      prohibitions: true
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: true
    internal_references:
      - target: Article 11
      - target: Article 12
      - target: Article 13
      - target: Article 17
      - target: Article 18
        paragraph: "1"
      - target: Article 18
        paragraph: "2"
    external_references: []
    recitals: []

  - article_number: 31
    article_title: Entry into force
    chunk_file: /consumer-credit/chunks/consumer-credit_t08_transitional_and_final_provisions.md
    path: "Title 8 > Article 31"
    applies_to_entities: []
    topics:
      - consumer_credit
      - consumer_protection
      - final_provisions
      - transitional_provisions
    keywords:
      - ITS
    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: 32
    article_title: Addressees
    chunk_file: /consumer-credit/chunks/consumer-credit_t08_transitional_and_final_provisions.md
    path: "Title 8 > Article 32"
    applies_to_entities:
      - member_states
    topics:
      - consumer_credit
      - consumer_protection
      - final_provisions
      - transitional_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: []