Article 20 | CCD I | Directive 2008/48/EC

Updated 05/02/2025

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Article 20 - Directive 2008/48/EC (CCD I)

Article 20

Regulation of creditors

Member States shall ensure that creditors are supervised by a body or authority independent from financial institutions, or regulated. This shall be without prejudice to Directive 2006/48/EC.

Recitals

CHAPTER I - SUBJECT MATTER, SCOPE AND DEFINITIONS (Article 1-3)

CHAPTER II - INFORMATION AND PRACTICES PRELIMINARY TO THE CONCLUSION OF THE CREDIT AGREEMENT (Article 4-8)

CHAPTER III - DATABASE ACCESS (Article 9)

CHAPTER IV - INFORMATION AND RIGHTS CONCERNING CREDIT AGREEMENTS (Article 10-18)

CHAPTER V - ANNUAL PERCENTAGE RATE OF CHARGE (Article 19)

CHAPTER VI - CREDITORS AND CREDIT INTERMEDIARIES (Article 20-21)Article 20 - Regulation of creditors Article 21 - Certain obligations of credit intermediaries vis-à-vis consumers

CHAPTER VII - IMPLEMENTING MEASURES (Article 22-28)

CHAPTER VIII - TRANSITIONAL AND FINAL PROVISIONS (Article 29-32)

ANNEX I ANNEX II - STANDARD EUROPEAN CONSUMER CREDIT INFORMATION ANNEX III

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Article 20 - Directive 2008/48/EC (CCD I)

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