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 (c. 48)

1. Introductory Text

2. CHAPTER I SUBJECT MATTER, SCOPE AND DEFINITIONS

   1. Article 1. Subject matter

   2. Article 2. Scope

   3. Article 3. Definitions

3. CHAPTER II INFORMATION AND PRACTICES PRELIMINARY TO THE CONCLUSION OF THE CREDIT AGREEMENT

   1. Article 4. Standard information to be included in advertising

   2. Article 5. Pre-contractual information

   3. Article 6. Pre-contractual information requirements for certain credit agreements in the form of an overdraft facility and for certain specific credit agreements

   4. Article 7. Exemptions from the pre-contractual information requirements

   5. Article 8. Obligation to assess the creditworthiness of the consumer

4. CHAPTER III DATABASE ACCESS

   1. Article 9. Database access

5. CHAPTER IV INFORMATION AND RIGHTS CONCERNING CREDIT AGREEMENTS

   1. Article 10. Information to be included in credit agreements

   2. Article 11. Information concerning the borrowing rate

   3. Article 12. Obligations in connection with credit agreement in the form of an overdraft facility

   4. Article 13. Open-end credit agreements

   5. Article 14. Right of withdrawal

   6. Article 15. Linked credit agreements

   7. Article 16. Early repayment

   8. Article 17. Assignment of rights

   9. Article 18. Overrunning

6. CHAPTER V ANNUAL PERCENTAGE RATE OF CHARGE

   1. Article 19. Calculation of the annual percentage rate of charge

7. CHAPTER VI CREDITORS AND CREDIT INTERMEDIARIES

   1. Article 20. Regulation of creditors

   2. Article 21. Certain obligations of credit intermediaries vis-à-vis consumers

8. CHAPTER VII IMPLEMENTING MEASURES

   1. Article 22. Harmonisation and imperative nature of this Directive

   2. Article 23. Penalties

   3. Article 24. Out-of-court dispute resolution

   4. Article 24a. Exercise of the delegation

   5. Article 25. Committee procedure

   6. Article 26. Information to be supplied to the Commission

   7. Article 27. Transposition

   8. Article 28. Conversion of amounts expressed in euro into national currency

9. CHAPTER VIII TRANSITIONAL AND FINAL PROVISIONS

   1. Article 29. Repeal

   2. Article 30. Transitional measures

   3. Article 31. Entry into force

   4. Article 32. Addressees

10. Signature

11. 1. ANNEX I

       1. I. The basic equation expressing the equivalence of drawdowns on the...

       2. II. The additional assumptions for the calculation of the annual percentage...

    2. ANNEX II

       STANDARD EUROPEAN CONSUMER CREDIT INFORMATION

       1. 1. Identity and contact details of the creditor/credit intermediary

       2. 2. Description of the main features of the credit product

       3. 3. Costs of the credit

       4. 4. Other important legal aspects

       5. 5. Additional information in the case of distance marketing of financial...

    3. ANNEX III

       EUROPEAN CONSUMER CREDIT INFORMATION FOR

       1. 1. Identity and contact details of the creditor/credit intermediary

       2. 2. Description of the main features of the credit product

       3. 3. Costs of the credit

       4. 4. Other important legal aspects

       5. 5. Additional information to be given where the pre-contractual information is...

       6. 6. Additional information to be given in the case of distance...