{
  "url": "https://openlegislation.uk/eu-directive-1987-102",
  "json_url": "https://openlegislation.uk/eu-directive-1987-102.json",
  "id": "eudr/1987/102",
  "title": "Council Directive of 22 December 1986 for the approximation of the laws, regulations and administrative provisions of the Member States concerning consumer credit (87/102/EEC) (repealed)",
  "short_title": "Council Directive of 22 December 1986 for the approximation of the laws, regulations and administrative provisions of the Member States concerning consumer credit (87/102/EEC)",
  "long_title": "Council Directive of 22 December 1986 for the approximation of the laws, regulations and administrative provisions of the Member States concerning consumer credit (87/102/EEC) (repealed)",
  "citation": "EU Directive 1987/102",
  "type": "eudr",
  "year": "1987",
  "number": "102",
  "version": "current",
  "date": "1986-12-22",
  "revised": false,
  "valid_from": null,
  "extent": "E+W+S+N.I.",
  "unapplied_effects": 0,
  "provisions": [
    {
      "path": "introduction",
      "kind": "introduction",
      "number": null,
      "heading": "Introductory text",
      "url": "https://openlegislation.uk/eu-directive-1987-102/introduction",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "article/1",
      "kind": "article",
      "number": "1",
      "heading": null,
      "url": "https://openlegislation.uk/eu-directive-1987-102/article-1",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": null
    },
    {
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      "number": "1a",
      "heading": null,
      "url": "https://openlegislation.uk/eu-directive-1987-102/article-1a",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": null
    },
    {
      "path": "article/2",
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      "number": "2",
      "heading": null,
      "url": "https://openlegislation.uk/eu-directive-1987-102/article-2",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": null
    },
    {
      "path": "article/3",
      "kind": "article",
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      "heading": null,
      "url": "https://openlegislation.uk/eu-directive-1987-102/article-3",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": null
    },
    {
      "path": "article/4",
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      "number": "4",
      "heading": null,
      "url": "https://openlegislation.uk/eu-directive-1987-102/article-4",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": null
    },
    {
      "path": "article/5",
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      "status": "repealed",
      "parent": null
    },
    {
      "path": "article/6",
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      "heading": null,
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      "status": "repealed",
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    },
    {
      "path": "article/7",
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      "status": "repealed",
      "parent": null
    },
    {
      "path": "article/8",
      "kind": "article",
      "number": "8",
      "heading": null,
      "url": "https://openlegislation.uk/eu-directive-1987-102/article-8",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": null
    },
    {
      "path": "article/9",
      "kind": "article",
      "number": "9",
      "heading": null,
      "url": "https://openlegislation.uk/eu-directive-1987-102/article-9",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": null
    },
    {
      "path": "article/10",
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      "url": "https://openlegislation.uk/eu-directive-1987-102/article-10",
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      "status": "repealed",
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    },
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      "url": "https://openlegislation.uk/eu-directive-1987-102/article-11",
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      "status": "repealed",
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    },
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      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": null
    },
    {
      "path": "article/13",
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      "number": "13",
      "heading": null,
      "url": "https://openlegislation.uk/eu-directive-1987-102/article-13",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": null
    },
    {
      "path": "article/14",
      "kind": "article",
      "number": "14",
      "heading": null,
      "url": "https://openlegislation.uk/eu-directive-1987-102/article-14",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": null
    },
    {
      "path": "article/15",
      "kind": "article",
      "number": "15",
      "heading": null,
      "url": "https://openlegislation.uk/eu-directive-1987-102/article-15",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": null
    },
    {
      "path": "article/16",
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      "number": "16",
      "heading": null,
      "url": "https://openlegislation.uk/eu-directive-1987-102/article-16",
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      "status": "repealed",
      "parent": null
    },
    {
      "path": "article/17",
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      "number": "17",
      "heading": null,
      "url": "https://openlegislation.uk/eu-directive-1987-102/article-17",
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      "status": "repealed",
      "parent": null
    },
    {
      "path": "article/18",
      "kind": "article",
      "number": "18",
      "heading": null,
      "url": "https://openlegislation.uk/eu-directive-1987-102/article-18",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": null
    },
    {
      "path": "annex/I",
      "kind": "annex",
      "number": "I",
      "heading": "LIST OF TERMS REFERRED TO IN ARTICLE 4 (3)",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": null
    },
    {
      "path": "annex/I/division/1",
      "kind": "division",
      "number": "1",
      "heading": "Credit agreements for financing the supply of particular goods or services:",
      "url": "https://openlegislation.uk/eu-directive-1987-102/annex-I/division-1",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": "annex/I"
    },
    {
      "path": "annex/I/division/2",
      "kind": "division",
      "number": "2",
      "heading": "Credit agreements operated by credit cards:",
      "url": "https://openlegislation.uk/eu-directive-1987-102/annex-I/division-2",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
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    },
    {
      "path": "annex/I/division/3",
      "kind": "division",
      "number": "3",
      "heading": "Credit agreements operated by running account which are not otherwise covered by the Directive:",
      "url": "https://openlegislation.uk/eu-directive-1987-102/annex-I/division-3",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
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    },
    {
      "path": "annex/I/division/4",
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      "number": "4",
      "heading": "Other credit agreements covered by the Directive:",
      "url": "https://openlegislation.uk/eu-directive-1987-102/annex-I/division-4",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
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    },
    {
      "path": "annex/II",
      "kind": "annex",
      "number": "II",
      "heading": "THE BASIC EQUATION EXPRESSING THE EQUIVALENCE OF LOANS ON THE ONE HAND AND REPAYMENTS AND CHARGES ON THE OTHER",
      "url": "https://openlegislation.uk/eu-directive-1987-102/annex-II",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": null
    },
    {
      "path": "annex/III",
      "kind": "annex",
      "number": "III",
      "heading": "EXAMPLES OF CALCULATION",
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    },
    {
      "path": "annex/III/division/A",
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      "heading": "CALCULATION OF THE ANNUAL PERCENTAGE RATE OF CHARGE ON A CALENDAR BASIS (1 YEAR = 365 DAYS (OR 366 DAYS FOR LEAP YEARS))",
      "url": null,
      "extent": "E+W+S+N.I.",
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      "path": "annex/III/division/A/division/1",
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      "url": "https://openlegislation.uk/eu-directive-1987-102/annex-III/division-A/division-2",
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      "heading": "CALCULATION OF THE ANNUAL PERCENTAGE RATE OF CHARGE ON THE BASIS OF A STANDARD YEAR (1 YEAR = 365 DAYS OR 365,25 DAYS, 52 WEEKS, OR 12 EQUAL MONTHS)",
      "url": null,
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    }
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  "provenance": {
    "source": "legislation.gov.uk",
    "source_url": "https://www.legislation.gov.uk/eudr/1987/102",
    "retrieved_at": "2026-11-01T15:23:32.821248+00:00"
  },
  "licence": "Open Government Licence v3.0",
  "licence_url": "https://www.nationalarchives.gov.uk/doc/open-government-licence/version/3/",
  "attribution": "Contains public sector information licensed under the Open Government Licence v3.0. Source: legislation.gov.uk, The National Archives."
}