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European Union: Implemented Credit Directive including consumer protection regulations

Policy overview

Description

Implemented Credit Directive including consumer protection regulations

On 20 November 2026, the Consumer Credit Directive, including consumer protection measures, was implemented. The Directive aims to ensure that consumers can make an informed choice when applying for credit and have easy access to necessary informati…

Scope

Policy Area
Consumer protection
Policy Instrument
User/subject right
Regulated Economic Activity
digital payment provider (incl. cryptocurrencies), other service provider
Implementation Level
supranational
Government Branch
legislature
Government Body
parliament

Complete timeline of this policy change

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2021-06-30
under deliberation

On 30 June 2021, the European Commission presented a proposal for a Directive of the European Parli…

2022-12-02
under deliberation

On 2 December 2022, the European Council and European Parliament reached a provisional agreement on…

2023-10-09
adopted

On 9 October 2023, the Council of the European Union adopted the Consumer Credit Directive, includi…

2023-11-19
in grace period

On 19 November 2023, the Consumer Credit Directive, including consumer protection measures, entered…

2026-11-20
in force

On 20 November 2026, the Consumer Credit Directive, including consumer protection measures, was imp…