{
  "url": "https://openlegislation.uk/eu-directive-2008-48",
  "json_url": "https://openlegislation.uk/eu-directive-2008-48.json",
  "id": "eudr/2008/48",
  "title": "Directive 2008/48/EC Of the European Parliament and of the Council of 23 April 2008 on credit agreements for consumers and repealing Council Directive 87/102/EEC",
  "short_title": "Directive 2008/48/EC Of the European Parliament and of the Council of 23 April 2008 on credit agreements for consumers and repealing Council Directive 87/102/EEC",
  "long_title": "Directive 2008/48/EC Of the European Parliament and of the Council of 23 April 2008 on credit agreements for consumers and repealing Council Directive 87/102/EEC",
  "citation": "EU Directive 2008/48",
  "type": "eudr",
  "year": "2008",
  "number": "48",
  "version": "current",
  "date": "2008-04-23",
  "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-2008-48/introduction",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "chapter/I",
      "kind": "chapter",
      "number": "I",
      "heading": "SUBJECT MATTER, SCOPE AND DEFINITIONS",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "article/1",
      "kind": "article",
      "number": "1",
      "heading": "Subject matter",
      "url": "https://openlegislation.uk/eu-directive-2008-48/article-1",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/I"
    },
    {
      "path": "article/2",
      "kind": "article",
      "number": "2",
      "heading": "Scope",
      "url": "https://openlegislation.uk/eu-directive-2008-48/article-2",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/I"
    },
    {
      "path": "article/3",
      "kind": "article",
      "number": "3",
      "heading": "Definitions",
      "url": "https://openlegislation.uk/eu-directive-2008-48/article-3",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/I"
    },
    {
      "path": "chapter/II",
      "kind": "chapter",
      "number": "II",
      "heading": "INFORMATION AND PRACTICES PRELIMINARY TO THE CONCLUSION OF THE CREDIT AGREEMENT",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "article/4",
      "kind": "article",
      "number": "4",
      "heading": "Standard information to be included in advertising",
      "url": "https://openlegislation.uk/eu-directive-2008-48/article-4",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/II"
    },
    {
      "path": "article/5",
      "kind": "article",
      "number": "5",
      "heading": "Pre-contractual information",
      "url": "https://openlegislation.uk/eu-directive-2008-48/article-5",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/II"
    },
    {
      "path": "article/6",
      "kind": "article",
      "number": "6",
      "heading": "Pre-contractual information requirements for certain credit agreements in the form of an overdraft facility and for certain specific credit agreements",
      "url": "https://openlegislation.uk/eu-directive-2008-48/article-6",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/II"
    },
    {
      "path": "article/7",
      "kind": "article",
      "number": "7",
      "heading": "Exemptions from the pre-contractual information requirements",
      "url": "https://openlegislation.uk/eu-directive-2008-48/article-7",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/II"
    },
    {
      "path": "article/8",
      "kind": "article",
      "number": "8",
      "heading": "Obligation to assess the creditworthiness of the consumer",
      "url": "https://openlegislation.uk/eu-directive-2008-48/article-8",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/II"
    },
    {
      "path": "chapter/III",
      "kind": "chapter",
      "number": "III",
      "heading": "DATABASE ACCESS",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "article/9",
      "kind": "article",
      "number": "9",
      "heading": "Database access",
      "url": "https://openlegislation.uk/eu-directive-2008-48/article-9",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/III"
    },
    {
      "path": "chapter/IV",
      "kind": "chapter",
      "number": "IV",
      "heading": "INFORMATION AND RIGHTS CONCERNING CREDIT AGREEMENTS",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "article/10",
      "kind": "article",
      "number": "10",
      "heading": "Information to be included in credit agreements",
      "url": "https://openlegislation.uk/eu-directive-2008-48/article-10",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/IV"
    },
    {
      "path": "article/11",
      "kind": "article",
      "number": "11",
      "heading": "Information concerning the borrowing rate",
      "url": "https://openlegislation.uk/eu-directive-2008-48/article-11",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/IV"
    },
    {
      "path": "article/12",
      "kind": "article",
      "number": "12",
      "heading": "Obligations in connection with credit agreement in the form of an overdraft facility",
      "url": "https://openlegislation.uk/eu-directive-2008-48/article-12",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/IV"
    },
    {
      "path": "article/13",
      "kind": "article",
      "number": "13",
      "heading": "Open-end credit agreements",
      "url": "https://openlegislation.uk/eu-directive-2008-48/article-13",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/IV"
    },
    {
      "path": "article/14",
      "kind": "article",
      "number": "14",
      "heading": "Right of withdrawal",
      "url": "https://openlegislation.uk/eu-directive-2008-48/article-14",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/IV"
    },
    {
      "path": "article/15",
      "kind": "article",
      "number": "15",
      "heading": "Linked credit agreements",
      "url": "https://openlegislation.uk/eu-directive-2008-48/article-15",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/IV"
    },
    {
      "path": "article/16",
      "kind": "article",
      "number": "16",
      "heading": "Early repayment",
      "url": "https://openlegislation.uk/eu-directive-2008-48/article-16",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/IV"
    },
    {
      "path": "article/17",
      "kind": "article",
      "number": "17",
      "heading": "Assignment of rights",
      "url": "https://openlegislation.uk/eu-directive-2008-48/article-17",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/IV"
    },
    {
      "path": "article/18",
      "kind": "article",
      "number": "18",
      "heading": "Overrunning",
      "url": "https://openlegislation.uk/eu-directive-2008-48/article-18",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/IV"
    },
    {
      "path": "chapter/V",
      "kind": "chapter",
      "number": "V",
      "heading": "ANNUAL PERCENTAGE RATE OF CHARGE",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "article/19",
      "kind": "article",
      "number": "19",
      "heading": "Calculation of the annual percentage rate of charge",
      "url": "https://openlegislation.uk/eu-directive-2008-48/article-19",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/V"
    },
    {
      "path": "chapter/VI",
      "kind": "chapter",
      "number": "VI",
      "heading": "CREDITORS AND CREDIT INTERMEDIARIES",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "article/20",
      "kind": "article",
      "number": "20",
      "heading": "Regulation of creditors",
      "url": "https://openlegislation.uk/eu-directive-2008-48/article-20",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/VI"
    },
    {
      "path": "article/21",
      "kind": "article",
      "number": "21",
      "heading": "Certain obligations of credit intermediaries vis-à-vis consumers",
      "url": "https://openlegislation.uk/eu-directive-2008-48/article-21",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/VI"
    },
    {
      "path": "chapter/VII",
      "kind": "chapter",
      "number": "VII",
      "heading": "IMPLEMENTING MEASURES",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "article/22",
      "kind": "article",
      "number": "22",
      "heading": "Harmonisation and imperative nature of this Directive",
      "url": "https://openlegislation.uk/eu-directive-2008-48/article-22",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/VII"
    },
    {
      "path": "article/23",
      "kind": "article",
      "number": "23",
      "heading": "Penalties",
      "url": "https://openlegislation.uk/eu-directive-2008-48/article-23",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/VII"
    },
    {
      "path": "article/24",
      "kind": "article",
      "number": "24",
      "heading": "Out-of-court dispute resolution",
      "url": "https://openlegislation.uk/eu-directive-2008-48/article-24",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/VII"
    },
    {
      "path": "article/24a",
      "kind": "article",
      "number": "24a",
      "heading": "Exercise of the delegation",
      "url": "https://openlegislation.uk/eu-directive-2008-48/article-24a",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/VII"
    },
    {
      "path": "article/25",
      "kind": "article",
      "number": "25",
      "heading": "Committee procedure",
      "url": "https://openlegislation.uk/eu-directive-2008-48/article-25",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": "chapter/VII"
    },
    {
      "path": "article/26",
      "kind": "article",
      "number": "26",
      "heading": "Information to be supplied to the Commission",
      "url": "https://openlegislation.uk/eu-directive-2008-48/article-26",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/VII"
    },
    {
      "path": "article/27",
      "kind": "article",
      "number": "27",
      "heading": "Transposition",
      "url": "https://openlegislation.uk/eu-directive-2008-48/article-27",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/VII"
    },
    {
      "path": "article/28",
      "kind": "article",
      "number": "28",
      "heading": "Conversion of amounts expressed in euro into national currency",
      "url": "https://openlegislation.uk/eu-directive-2008-48/article-28",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/VII"
    },
    {
      "path": "chapter/VIII",
      "kind": "chapter",
      "number": "VIII",
      "heading": "TRANSITIONAL AND FINAL PROVISIONS",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "article/29",
      "kind": "article",
      "number": "29",
      "heading": "Repeal",
      "url": "https://openlegislation.uk/eu-directive-2008-48/article-29",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/VIII"
    },
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      "path": "article/30",
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      "heading": "Transitional measures",
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      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/VIII"
    },
    {
      "path": "article/31",
      "kind": "article",
      "number": "31",
      "heading": "Entry into force",
      "url": "https://openlegislation.uk/eu-directive-2008-48/article-31",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/VIII"
    },
    {
      "path": "article/32",
      "kind": "article",
      "number": "32",
      "heading": "Addressees",
      "url": "https://openlegislation.uk/eu-directive-2008-48/article-32",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/VIII"
    },
    {
      "path": "signature",
      "kind": "signature",
      "number": null,
      "heading": "Signature",
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      "status": null,
      "parent": null
    },
    {
      "path": "annex/I",
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      "heading": null,
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
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    },
    {
      "path": "annex/I/division/I",
      "kind": "division",
      "number": "I",
      "heading": "The basic equation expressing the equivalence of drawdowns on the one hand and repayments and charges on the other.",
      "url": "https://openlegislation.uk/eu-directive-2008-48/annex-I/division-I",
      "extent": "E+W+S+N.I.",
      "status": null,
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    },
    {
      "path": "annex/I/division/II",
      "kind": "division",
      "number": "II",
      "heading": "The additional assumptions for the calculation of the annual percentage rate of charge shall be as follows:",
      "url": "https://openlegislation.uk/eu-directive-2008-48/annex-I/division-II",
      "extent": "E+W+S+N.I.",
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      "path": "annex/II",
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      "heading": "STANDARD EUROPEAN CONSUMER CREDIT INFORMATION",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "annex/II/division/1",
      "kind": "division",
      "number": "1",
      "heading": "Identity and contact details of the creditor/credit intermediary",
      "url": "https://openlegislation.uk/eu-directive-2008-48/annex-II/division-1",
      "extent": "E+W+S+N.I.",
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    {
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      "kind": "division",
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      "heading": "Description of the main features of the credit product",
      "url": "https://openlegislation.uk/eu-directive-2008-48/annex-II/division-2",
      "extent": "E+W+S+N.I.",
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      "path": "annex/II/division/3",
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      "heading": "Costs of the credit",
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      "extent": "E+W+S+N.I.",
      "status": null,
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    },
    {
      "path": "annex/II/division/5",
      "kind": "division",
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      "heading": "Additional information in the case of distance marketing of financial services",
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      "path": "annex/III",
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      "heading": "EUROPEAN CONSUMER CREDIT INFORMATION FOR",
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      "status": null,
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      "heading": "Identity and contact details of the creditor/credit intermediary",
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      "extent": "E+W+S+N.I.",
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    },
    {
      "path": "annex/III/division/5",
      "kind": "division",
      "number": "5",
      "heading": "Additional information to be given where the pre-contractual information is provided by certain credit organisations (Article 2(5) of Directive 2008/48/EC or relates to a consumer credit for debt conversion",
      "url": "https://openlegislation.uk/eu-directive-2008-48/annex-III/division-5",
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