Article 46 | MCD | Directive 2014/17/EU | judict

Updated 22/10/2024

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Version from: 30/12/2023

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MCD Tool Mortgage Credit Directive (MCD)

Article 46

Article 46 - Amendment of Directive 2008/48/EC

Article 46

Amendment of Directive 2008/48/EC

In Article 2 of Directive 2008/48/EC, the following paragraph is inserted:

‘2a.

Notwithstanding point (c) of paragraph 2, this Directive shall apply to unsecured credit agreements the purpose of which is the renovation of a residential immovable property involving a total amount of credit above EUR 75 000 .’

Table of contents

CHAPTER 1 - SUBJECT MATTER, SCOPE, DEFINITIONS AND COMPETENT AUTHORITIES (Article 1-5)

CHAPTER 2 - FINANCIAL EDUCATION (Article 6)

CHAPTER 3 - CONDITIONS APPLICABLE TO CREDITORS, CREDIT INTERMEDIARIES AND APPOINTED REPRESENTATIVES (Article 7-9)

CHAPTER 4 - INFORMATION AND PRACTICES PRELIMINARY TO THE CONCLUSION OF THE CREDIT AGREEMENT (Article 10-16)

CHAPTER 5 - ANNUAL PERCENTAGE RATE OF CHARGE (Article 17)

CHAPTER 6 - CREDITWORTHINESS ASSESSMENT (Article 18-20)

CHAPTER 7 - DATABASE ACCESS (Article 21)

CHAPTER 8 - ADVISORY SERVICES (Article 22)

CHAPTER 9 - FOREIGN CURRENCY LOANS AND VARIABLE RATE LOANS (Article 23-24)

CHAPTER 10 - SOUND EXECUTION OF CREDIT AGREEMENTS AND RELATED RIGHTS (Article 25-28a)

CHAPTER 11 - REQUIREMENTS FOR ESTABLISHMENT AND SUPERVISION OF CREDIT INTERMEDIARIES AND APPOINTED REPRESENTATIVES (Article 29-34)

CHAPTER 12 - ADMISSION AND SUPERVISION OF NON-CREDIT INSTITUTIONS (Article 35)

CHAPTER 13 - COOPERATION BETWEEN COMPETENT AUTHORITIES OF DIFFERENT MEMBER STATES (Article 36-37)

CHAPTER 14 - FINAL PROVISIONS (Article 38-50)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 ANNEX II ANNEX III