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Directive 2014/17/EU of the European Parliament and of the Council of 4 February 2014
On credit agreements for consumers relating to residential immovable property
and amending Directives 2008/48/EC and 2013/36/EU and Regulation (EU) No 1093/2010 (Text with EEA relevance)- Recitals
CHAPTER 1 — SUBJECT MATTER, SCOPE, DEFINITIONS AND COMPETENT AUTHORITIES- CHAPTER 2 — FINANCIAL EDUCATION
- CHAPTER 3 — CONDITIONS APPLICABLE TO CREDITORS, CREDIT INTERMEDIARIES AND APPOINTED REPRESENTATIVES
- CHAPTER 4 — INFORMATION AND PRACTICES PRELIMINARY TO THE CONCLUSION OF THE CREDIT AGREEMENT
- Article 10 — General provisions applicable to advertising and marketing
- Article 11 — Standard information to be included in advertising
- Article 12 — Tying and bundling practices
- Article 13 — General information
- Article 14 — Pre-contractual information
- Article 15 — Information requirements concerning credit intermediaries and appointed representatives
- Article 16 — Adequate explanations
- CHAPTER 5 — ANNUAL PERCENTAGE RATE OF CHARGE
- CHAPTER 6 — CREDITWORTHINESS ASSESSMENT
- CHAPTER 7 — DATABASE ACCESS
- CHAPTER 8 — ADVISORY SERVICES
- CHAPTER 9 — FOREIGN CURRENCY LOANS AND VARIABLE RATE LOANS
- CHAPTER 10 — SOUND EXECUTION OF CREDIT AGREEMENTS AND RELATED RIGHTS
- CHAPTER 11 — REQUIREMENTS FOR ESTABLISHMENT AND SUPERVISION OF CREDIT INTERMEDIARIES AND APPOINTED REPRESENTATIVES
- Article 29 — Admission of credit intermediaries
- Article 30 — Credit intermediaries tied to only one creditor
- Article 31 — Appointed representatives
- Article 32 — Freedom of establishment and freedom to provide services by credit intermediaries
- Article 33 — Withdrawal of admission of credit intermediaries
- Article 34 — Supervision of credit intermediaries and appointed representatives
- CHAPTER 12 — ADMISSION AND SUPERVISION OF NON-CREDIT INSTITUTIONS
- CHAPTER 13 — COOPERATION BETWEEN COMPETENT AUTHORITIES OF DIFFERENT MEMBER STATES
- CHAPTER 14 — FINAL PROVISIONS
- Article 38 — Sanctions
- Article 39 — Dispute resolution mechanisms
- Article 40 — Exercise of the delegation
- Article 41 — Imperative nature of this Directive
- Article 42 — Transposition
- Article 43 — Transitional provisions
- Article 44 — Review clause
- Article 45 — Further initiatives on responsible lending and borrowing
- Article 46 — Amendment of Directive 2008/48/EC
- Article 47 — Amendment of Directive 2013/36/EU
- Article 48 — Amendment of Regulation (EU) No 1093/2010
- Article 49 — Entry into force
- Article 50 — Addressees
- ANNEX I — CALCULATION OF THE ANNUAL PERCENTAGE RATE OF CHARGE (APRC)
- ANNEX II — EUROPEAN STANDARDISED INFORMATION SHEET (ESIS)
- ANNEX III — MINIMUM KNOWLEDGE AND COMPETENCE REQUIREMENTS