{
  "url": "https://openlegislation.uk/eu-directive-1993-13",
  "json_url": "https://openlegislation.uk/eu-directive-1993-13.json",
  "id": "eudr/1993/13",
  "title": "Council Directive 93/13/EEC of 5 April 1993 on unfair terms in consumer contracts",
  "short_title": "Council Directive 93/13/EEC of 5 April 1993 on unfair terms in consumer contracts",
  "long_title": "Council Directive 93/13/EEC of 5 April 1993 on unfair terms in consumer contracts",
  "citation": "EU Directive 1993/13",
  "type": "eudr",
  "year": "1993",
  "number": "13",
  "version": "current",
  "date": "1993-04-05",
  "revised": false,
  "valid_from": null,
  "extent": "E+W+S+N.I.",
  "unapplied_effects": 1,
  "provisions": [
    {
      "path": "introduction",
      "kind": "introduction",
      "number": null,
      "heading": "Introductory text",
      "url": "https://openlegislation.uk/eu-directive-1993-13/introduction",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
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      "url": "https://openlegislation.uk/eu-directive-1993-13/article-1",
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    },
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    {
      "path": "article/11",
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    {
      "path": "annex",
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      "heading": "TERMS REFERRED TO IN ARTICLE 3 (3)",
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    },
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      "heading": "Terms which have the object or effect of:",
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      "path": "annex/division/2",
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    {
      "path": "annex/division/2/division/b",
      "kind": "division",
      "number": "(b)",
      "heading": "Subparagraph (j) is without hindrance to terms under which a supplier of financial services reserves the right to alter the rate of interest payable by the consumer or due to the latter, or the amount of other charges for financial services without notice where there is a valid reason, provided that the supplier is required to inform the other contracting party or parties thereof at the earliest opportunity and that the latter are free to dissolve the contract immediately.",
      "url": "https://openlegislation.uk/eu-directive-1993-13/annex/division-2/division-b",
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    {
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      "status": null,
      "parent": "annex/division/2"
    }
  ],
  "outstanding_effects": [],
  "made_under": [],
  "changes_made_to": 2,
  "changes_made_to_url": "https://openlegislation.uk/eu-directive-1993-13/changes.json",
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  "provenance": {
    "source": "legislation.gov.uk",
    "source_url": "https://www.legislation.gov.uk/eudr/1993/13",
    "retrieved_at": "2026-11-01T15:23:19.815050+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."
}