{
  "url": "https://openlegislation.uk/eu-directive-2014-17",
  "json_url": "https://openlegislation.uk/eu-directive-2014-17.json",
  "id": "eudr/2014/17",
  "title": "Directive 2014/17/EU of the European Parliament and of the Council of 4 February 2014 on credit agreements for consumers relating to residential immovable property and amending Directives 2008/48/EC and 2013/36/EU and Regulation (EU) No 1093/2010 (Text with EEA relevance)",
  "short_title": "Regulation (EU) No 1093/2010",
  "long_title": "Directive 2014/17/EU of the European Parliament and of the Council of 4 February 2014 on credit agreements for consumers relating to residential immovable property and amending Directives 2008/48/EC and 2013/36/EU and Regulation (EU) No 1093/2010 (Text with EEA relevance)",
  "citation": "EU Directive 2014/17",
  "type": "eudr",
  "year": "2014",
  "number": "17",
  "version": "current",
  "date": "2014-02-04",
  "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-2014-17/introduction",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "chapter/1",
      "kind": "chapter",
      "number": "1",
      "heading": "SUBJECT MATTER, SCOPE, DEFINITIONS AND COMPETENT AUTHORITIES",
      "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-2014-17/article-1",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/1"
    },
    {
      "path": "article/2",
      "kind": "article",
      "number": "2",
      "heading": "Level of harmonisation",
      "url": "https://openlegislation.uk/eu-directive-2014-17/article-2",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/1"
    },
    {
      "path": "article/3",
      "kind": "article",
      "number": "3",
      "heading": "Scope",
      "url": "https://openlegislation.uk/eu-directive-2014-17/article-3",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/1"
    },
    {
      "path": "article/4",
      "kind": "article",
      "number": "4",
      "heading": "Definitions",
      "url": "https://openlegislation.uk/eu-directive-2014-17/article-4",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/1"
    },
    {
      "path": "article/5",
      "kind": "article",
      "number": "5",
      "heading": "Competent authorities",
      "url": "https://openlegislation.uk/eu-directive-2014-17/article-5",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/1"
    },
    {
      "path": "chapter/2",
      "kind": "chapter",
      "number": "2",
      "heading": "FINANCIAL EDUCATION",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "article/6",
      "kind": "article",
      "number": "6",
      "heading": "Financial education of consumers",
      "url": "https://openlegislation.uk/eu-directive-2014-17/article-6",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/2"
    },
    {
      "path": "chapter/3",
      "kind": "chapter",
      "number": "3",
      "heading": "CONDITIONS APPLICABLE TO CREDITORS, CREDIT INTERMEDIARIES AND APPOINTED REPRESENTATIVES",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "article/7",
      "kind": "article",
      "number": "7",
      "heading": "Conduct of business obligations when providing credit to consumers",
      "url": "https://openlegislation.uk/eu-directive-2014-17/article-7",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/3"
    },
    {
      "path": "article/8",
      "kind": "article",
      "number": "8",
      "heading": "Obligation to provide information free of charge to consumers",
      "url": "https://openlegislation.uk/eu-directive-2014-17/article-8",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/3"
    },
    {
      "path": "article/9",
      "kind": "article",
      "number": "9",
      "heading": "Knowledge and competence requirements for staff",
      "url": "https://openlegislation.uk/eu-directive-2014-17/article-9",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/3"
    },
    {
      "path": "chapter/4",
      "kind": "chapter",
      "number": "4",
      "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/10",
      "kind": "article",
      "number": "10",
      "heading": "General provisions applicable to advertising and marketing",
      "url": "https://openlegislation.uk/eu-directive-2014-17/article-10",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/4"
    },
    {
      "path": "article/11",
      "kind": "article",
      "number": "11",
      "heading": "Standard information to be included in advertising",
      "url": "https://openlegislation.uk/eu-directive-2014-17/article-11",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/4"
    },
    {
      "path": "article/12",
      "kind": "article",
      "number": "12",
      "heading": "Tying and bundling practices",
      "url": "https://openlegislation.uk/eu-directive-2014-17/article-12",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/4"
    },
    {
      "path": "article/13",
      "kind": "article",
      "number": "13",
      "heading": "General information",
      "url": "https://openlegislation.uk/eu-directive-2014-17/article-13",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/4"
    },
    {
      "path": "article/14",
      "kind": "article",
      "number": "14",
      "heading": "Pre-contractual information",
      "url": "https://openlegislation.uk/eu-directive-2014-17/article-14",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/4"
    },
    {
      "path": "article/15",
      "kind": "article",
      "number": "15",
      "heading": "Information requirements concerning credit intermediaries and appointed representatives",
      "url": "https://openlegislation.uk/eu-directive-2014-17/article-15",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/4"
    },
    {
      "path": "article/16",
      "kind": "article",
      "number": "16",
      "heading": "Adequate explanations",
      "url": "https://openlegislation.uk/eu-directive-2014-17/article-16",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/4"
    },
    {
      "path": "chapter/5",
      "kind": "chapter",
      "number": "5",
      "heading": "ANNUAL PERCENTAGE RATE OF CHARGE",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "article/17",
      "kind": "article",
      "number": "17",
      "heading": "Calculation of the APRC",
      "url": "https://openlegislation.uk/eu-directive-2014-17/article-17",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/5"
    },
    {
      "path": "chapter/6",
      "kind": "chapter",
      "number": "6",
      "heading": "CREDITWORTHINESS ASSESSMENT",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "article/18",
      "kind": "article",
      "number": "18",
      "heading": "Obligation to assess the creditworthiness of the consumer",
      "url": "https://openlegislation.uk/eu-directive-2014-17/article-18",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/6"
    },
    {
      "path": "article/19",
      "kind": "article",
      "number": "19",
      "heading": "Property valuation",
      "url": "https://openlegislation.uk/eu-directive-2014-17/article-19",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/6"
    },
    {
      "path": "article/20",
      "kind": "article",
      "number": "20",
      "heading": "Disclosure and verification of consumer information",
      "url": "https://openlegislation.uk/eu-directive-2014-17/article-20",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/6"
    },
    {
      "path": "chapter/7",
      "kind": "chapter",
      "number": "7",
      "heading": "DATABASE ACCESS",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "article/21",
      "kind": "article",
      "number": "21",
      "heading": "Database access",
      "url": "https://openlegislation.uk/eu-directive-2014-17/article-21",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/7"
    },
    {
      "path": "chapter/8",
      "kind": "chapter",
      "number": "8",
      "heading": "ADVISORY SERVICES",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "article/22",
      "kind": "article",
      "number": "22",
      "heading": "Standards for advisory services",
      "url": "https://openlegislation.uk/eu-directive-2014-17/article-22",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/8"
    },
    {
      "path": "chapter/9",
      "kind": "chapter",
      "number": "9",
      "heading": "FOREIGN CURRENCY LOANS AND VARIABLE RATE LOANS",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "article/23",
      "kind": "article",
      "number": "23",
      "heading": "Foreign currency loans",
      "url": "https://openlegislation.uk/eu-directive-2014-17/article-23",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/9"
    },
    {
      "path": "article/24",
      "kind": "article",
      "number": "24",
      "heading": "Variable rate credits",
      "url": "https://openlegislation.uk/eu-directive-2014-17/article-24",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/9"
    },
    {
      "path": "chapter/10",
      "kind": "chapter",
      "number": "10",
      "heading": "SOUND EXECUTION OF CREDIT AGREEMENTS AND RELATED RIGHTS",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "article/25",
      "kind": "article",
      "number": "25",
      "heading": "Early repayment",
      "url": "https://openlegislation.uk/eu-directive-2014-17/article-25",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/10"
    },
    {
      "path": "article/26",
      "kind": "article",
      "number": "26",
      "heading": "Flexible and reliable markets",
      "url": "https://openlegislation.uk/eu-directive-2014-17/article-26",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/10"
    },
    {
      "path": "article/27",
      "kind": "article",
      "number": "27",
      "heading": "Information concerning changes in the borrowing rate",
      "url": "https://openlegislation.uk/eu-directive-2014-17/article-27",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/10"
    },
    {
      "path": "article/28",
      "kind": "article",
      "number": "28",
      "heading": "Arrears and foreclosure",
      "url": "https://openlegislation.uk/eu-directive-2014-17/article-28",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/10"
    },
    {
      "path": "chapter/11",
      "kind": "chapter",
      "number": "11",
      "heading": "REQUIREMENTS FOR ESTABLISHMENT AND SUPERVISION OF CREDIT INTERMEDIARIES AND APPOINTED REPRESENTATIVES",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "article/29",
      "kind": "article",
      "number": "29",
      "heading": "Admission of credit intermediaries",
      "url": "https://openlegislation.uk/eu-directive-2014-17/article-29",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/11"
    },
    {
      "path": "article/30",
      "kind": "article",
      "number": "30",
      "heading": "Credit intermediaries tied to only one creditor",
      "url": "https://openlegislation.uk/eu-directive-2014-17/article-30",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/11"
    },
    {
      "path": "article/31",
      "kind": "article",
      "number": "31",
      "heading": "Appointed representatives",
      "url": "https://openlegislation.uk/eu-directive-2014-17/article-31",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/11"
    },
    {
      "path": "article/32",
      "kind": "article",
      "number": "32",
      "heading": "Freedom of establishment and freedom to provide services by credit intermediaries",
      "url": "https://openlegislation.uk/eu-directive-2014-17/article-32",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/11"
    },
    {
      "path": "article/33",
      "kind": "article",
      "number": "33",
      "heading": "Withdrawal of admission of credit intermediaries",
      "url": "https://openlegislation.uk/eu-directive-2014-17/article-33",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/11"
    },
    {
      "path": "article/34",
      "kind": "article",
      "number": "34",
      "heading": "Supervision of credit intermediaries and appointed representatives",
      "url": "https://openlegislation.uk/eu-directive-2014-17/article-34",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/11"
    },
    {
      "path": "chapter/12",
      "kind": "chapter",
      "number": "12",
      "heading": "ADMISSION AND SUPERVISION OF NON-CREDIT INSTITUTIONS",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "article/35",
      "kind": "article",
      "number": "35",
      "heading": "Admission and supervision of non-credit institutions",
      "url": "https://openlegislation.uk/eu-directive-2014-17/article-35",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/12"
    },
    {
      "path": "chapter/13",
      "kind": "chapter",
      "number": "13",
      "heading": "COOPERATION BETWEEN COMPETENT AUTHORITIES OF DIFFERENT MEMBER STATES",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "article/36",
      "kind": "article",
      "number": "36",
      "heading": "Obligation to cooperate",
      "url": "https://openlegislation.uk/eu-directive-2014-17/article-36",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/13"
    },
    {
      "path": "article/37",
      "kind": "article",
      "number": "37",
      "heading": "Settlement of disagreements between competent authorities of different Member States",
      "url": "https://openlegislation.uk/eu-directive-2014-17/article-37",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/13"
    },
    {
      "path": "chapter/14",
      "kind": "chapter",
      "number": "14",
      "heading": "FINAL PROVISIONS",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "article/38",
      "kind": "article",
      "number": "38",
      "heading": "Sanctions",
      "url": "https://openlegislation.uk/eu-directive-2014-17/article-38",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/14"
    },
    {
      "path": "article/39",
      "kind": "article",
      "number": "39",
      "heading": "Dispute resolution mechanisms",
      "url": "https://openlegislation.uk/eu-directive-2014-17/article-39",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/14"
    },
    {
      "path": "article/40",
      "kind": "article",
      "number": "40",
      "heading": "Exercise of the delegation",
      "url": "https://openlegislation.uk/eu-directive-2014-17/article-40",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/14"
    },
    {
      "path": "article/41",
      "kind": "article",
      "number": "41",
      "heading": "Imperative nature of this Directive",
      "url": "https://openlegislation.uk/eu-directive-2014-17/article-41",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/14"
    },
    {
      "path": "article/42",
      "kind": "article",
      "number": "42",
      "heading": "Transposition",
      "url": "https://openlegislation.uk/eu-directive-2014-17/article-42",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/14"
    },
    {
      "path": "article/43",
      "kind": "article",
      "number": "43",
      "heading": "Transitional provisions",
      "url": "https://openlegislation.uk/eu-directive-2014-17/article-43",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/14"
    },
    {
      "path": "article/44",
      "kind": "article",
      "number": "44",
      "heading": "Review clause",
      "url": "https://openlegislation.uk/eu-directive-2014-17/article-44",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/14"
    },
    {
      "path": "article/45",
      "kind": "article",
      "number": "45",
      "heading": "Further initiatives on responsible lending and borrowing",
      "url": "https://openlegislation.uk/eu-directive-2014-17/article-45",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/14"
    },
    {
      "path": "article/46",
      "kind": "article",
      "number": "46",
      "heading": "Amendment of Directive 2008/48/EC",
      "url": "https://openlegislation.uk/eu-directive-2014-17/article-46",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/14"
    },
    {
      "path": "article/47",
      "kind": "article",
      "number": "47",
      "heading": "Amendment of Directive 2013/36/EU",
      "url": "https://openlegislation.uk/eu-directive-2014-17/article-47",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/14"
    },
    {
      "path": "article/48",
      "kind": "article",
      "number": "48",
      "heading": "Amendment of Regulation (EU) No 1093/2010",
      "url": "https://openlegislation.uk/eu-directive-2014-17/article-48",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/14"
    },
    {
      "path": "article/49",
      "kind": "article",
      "number": "49",
      "heading": "Entry into force",
      "url": "https://openlegislation.uk/eu-directive-2014-17/article-49",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/14"
    },
    {
      "path": "article/50",
      "kind": "article",
      "number": "50",
      "heading": "Addressees",
      "url": "https://openlegislation.uk/eu-directive-2014-17/article-50",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/14"
    },
    {
      "path": "annex/I",
      "kind": "annex",
      "number": "I",
      "heading": "CALCULATION OF THE ANNUAL PERCENTAGE RATE OF CHARGE (APRC)",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "annex/I/division/I",
      "kind": "division",
      "number": "I",
      "heading": null,
      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-I/division-I",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/I"
    },
    {
      "path": "annex/I/division/II",
      "kind": "division",
      "number": "II",
      "heading": "Additional assumptions for the calculation of the APRC",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/I"
    },
    {
      "path": "annex/I/division/II/division/a",
      "kind": "division",
      "number": "(a)",
      "heading": null,
      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-I/division-II/division-a",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/I/division/II"
    },
    {
      "path": "annex/I/division/II/division/b",
      "kind": "division",
      "number": "(b)",
      "heading": null,
      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-I/division-II/division-b",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/I/division/II"
    },
    {
      "path": "annex/I/division/II/division/c",
      "kind": "division",
      "number": "(c)",
      "heading": null,
      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-I/division-II/division-c",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/I/division/II"
    },
    {
      "path": "annex/I/division/II/division/d",
      "kind": "division",
      "number": "(d)",
      "heading": null,
      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-I/division-II/division-d",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/I/division/II"
    },
    {
      "path": "annex/I/division/II/division/e",
      "kind": "division",
      "number": "(e)",
      "heading": null,
      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-I/division-II/division-e",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/I/division/II"
    },
    {
      "path": "annex/I/division/II/division/f",
      "kind": "division",
      "number": "(f)",
      "heading": null,
      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-I/division-II/division-f",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/I/division/II"
    },
    {
      "path": "annex/I/division/II/division/g",
      "kind": "division",
      "number": "(g)",
      "heading": "In the case of credit agreements other than overdrafts, bridging loans, shared equity credit agreements, contingent liabilities or guarantees and open-ended credit agreements as referred to in the assumptions set out in points (i), (j), (k), (l) and (m):",
      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-I/division-II/division-g",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/I/division/II"
    },
    {
      "path": "annex/I/division/II/division/h",
      "kind": "division",
      "number": "(h)",
      "heading": "Where the date or amount of a payment to be made by the consumer cannot be ascertained on the basis of the credit agreement or the assumptions set out in points (g), (i), (j), (k), (l) and (m) it shall be assumed that the payment is made in accordance with the dates and conditions required by the creditor and, when these are unknown:",
      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-I/division-II/division-h",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/I/division/II"
    },
    {
      "path": "annex/I/division/II/division/i",
      "kind": "division",
      "number": "(i)",
      "heading": null,
      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-I/division-II/division-i",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/I/division/II"
    },
    {
      "path": "annex/I/division/II/division/j",
      "kind": "division",
      "number": "(j)",
      "heading": null,
      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-I/division-II/division-j",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/I/division/II"
    },
    {
      "path": "annex/I/division/II/division/k",
      "kind": "division",
      "number": "(k)",
      "heading": "In the case of an open ended credit agreement, other than an overdraft facility and bridging loan, it shall be assumed that:",
      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-I/division-II/division-k",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/I/division/II"
    },
    {
      "path": "annex/I/division/II/division/l",
      "kind": "division",
      "number": "(l)",
      "heading": "In the case of contingent liabilities or guarantees, the total amount of credit shall be deemed to be drawn down in full as a single amount at the earlier of:",
      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-I/division-II/division-l",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/I/division/II"
    },
    {
      "path": "annex/I/division/II/division/m",
      "kind": "division",
      "number": "(m)",
      "heading": "In the case of shared equity credit agreements:",
      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-I/division-II/division-m",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/I/division/II"
    },
    {
      "path": "annex/II",
      "kind": "annex",
      "number": "II",
      "heading": "EUROPEAN STANDARDISED INFORMATION SHEET (ESIS)",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "annex/II/part/A",
      "kind": "division",
      "number": "PART A",
      "heading": null,
      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-II/part-A",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/II"
    },
    {
      "path": "annex/II/part/A/division/1",
      "kind": "division",
      "number": null,
      "heading": "ESIS Model",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/II/part/A"
    },
    {
      "path": "annex/II/part/A/division/1/division/1",
      "kind": "division",
      "number": null,
      "heading": null,
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/II/part/A/division/1"
    },
    {
      "path": "annex/II/part/A/division/1/division/1/division/n1",
      "kind": "division",
      "number": null,
      "heading": "(Introductory text)",
      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-II/part-A/division-1/division-1/division-n1",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/II/part/A/division/1/division/1"
    },
    {
      "path": "annex/II/part/A/division/1/division/1/division/1",
      "kind": "division",
      "number": "1",
      "heading": "Lender",
      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-II/part-A/division-1/division-1/division-1",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/II/part/A/division/1/division/1"
    },
    {
      "path": "annex/II/part/A/division/1/division/1/division/2",
      "kind": "division",
      "number": "2",
      "heading": "(Where applicable) Credit intermediary",
      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-II/part-A/division-1/division-1/division-2",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/II/part/A/division/1/division/1"
    },
    {
      "path": "annex/II/part/A/division/1/division/1/division/3",
      "kind": "division",
      "number": "3",
      "heading": "Main features of the loan",
      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-II/part-A/division-1/division-1/division-3",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/II/part/A/division/1/division/1"
    },
    {
      "path": "annex/II/part/A/division/1/division/1/division/4",
      "kind": "division",
      "number": "4",
      "heading": "Interest rate and other costs",
      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-II/part-A/division-1/division-1/division-4",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/II/part/A/division/1/division/1"
    },
    {
      "path": "annex/II/part/A/division/1/division/1/division/5",
      "kind": "division",
      "number": "5",
      "heading": "Frequency and number of payments",
      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-II/part-A/division-1/division-1/division-5",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/II/part/A/division/1/division/1"
    },
    {
      "path": "annex/II/part/A/division/1/division/1/division/6",
      "kind": "division",
      "number": "6",
      "heading": "Amount of each instalment",
      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-II/part-A/division-1/division-1/division-6",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/II/part/A/division/1/division/1"
    },
    {
      "path": "annex/II/part/A/division/1/division/1/division/7",
      "kind": "division",
      "number": "7",
      "heading": "(Where applicable) Illustrative repayment table",
      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-II/part-A/division-1/division-1/division-7",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/II/part/A/division/1/division/1"
    },
    {
      "path": "annex/II/part/A/division/1/division/1/division/8",
      "kind": "division",
      "number": "8",
      "heading": "Additional obligations",
      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-II/part-A/division-1/division-1/division-8",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/II/part/A/division/1/division/1"
    },
    {
      "path": "annex/II/part/A/division/1/division/1/division/9",
      "kind": "division",
      "number": "9",
      "heading": "Early repayment",
      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-II/part-A/division-1/division-1/division-9",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/II/part/A/division/1/division/1"
    },
    {
      "path": "annex/II/part/A/division/1/division/1/division/10",
      "kind": "division",
      "number": "10",
      "heading": "Flexible features",
      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-II/part-A/division-1/division-1/division-10",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/II/part/A/division/1/division/1"
    },
    {
      "path": "annex/II/part/A/division/1/division/1/division/11",
      "kind": "division",
      "number": "11",
      "heading": "Other rights of the borrower",
      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-II/part-A/division-1/division-1/division-11",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/II/part/A/division/1/division/1"
    },
    {
      "path": "annex/II/part/A/division/1/division/1/division/12",
      "kind": "division",
      "number": "12",
      "heading": "Complaints",
      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-II/part-A/division-1/division-1/division-12",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/II/part/A/division/1/division/1"
    },
    {
      "path": "annex/II/part/A/division/1/division/1/division/13",
      "kind": "division",
      "number": "13",
      "heading": "Non-compliance with the commitments linked to the loan: consequences for the borrower",
      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-II/part-A/division-1/division-1/division-13",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/II/part/A/division/1/division/1"
    },
    {
      "path": "annex/II/part/A/division/1/division/1/division/Where",
      "kind": "division",
      "number": "(Where applicable) 14",
      "heading": "Additional information",
      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-II/part-A/division-1/division-1/division-Where",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/II/part/A/division/1/division/1"
    },
    {
      "path": "annex/II/part/A/division/1/division/1/division/15",
      "kind": "division",
      "number": "15",
      "heading": "Supervisor",
      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-II/part-A/division-1/division-1/division-15",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/II/part/A/division/1/division/1"
    },
    {
      "path": "annex/II/part/B",
      "kind": "division",
      "number": "PART B",
      "heading": "Instructions to complete the ESIS",
      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-II/part-B",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/II"
    },
    {
      "path": "annex/II/part/B/section/1",
      "kind": "division",
      "number": "Section ‘Introductory text’",
      "heading": null,
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/II/part/B"
    },
    {
      "path": "annex/II/part/B/section/1/division/1",
      "kind": "division",
      "number": "(1)",
      "heading": null,
      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-II/part-B/section-1/division-1",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/II/part/B/section/1"
    },
    {
      "path": "annex/II/part/B/division/Where",
      "kind": "division",
      "number": "(Where applicable) Section ‘2",
      "heading": "Credit intermediary’",
      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-II/part-B/division-Where",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/II/part/B"
    },
    {
      "path": "annex/II/part/B/section/3",
      "kind": "division",
      "number": "Section ‘3",
      "heading": "Main features of the loan’",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/II/part/B"
    },
    {
      "path": "annex/II/part/B/section/3/division/1",
      "kind": "division",
      "number": "(1)",
      "heading": null,
      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-II/part-B/section-3/division-1",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/II/part/B/section/3"
    },
    {
      "path": "annex/II/part/B/section/3/division/2",
      "kind": "division",
      "number": "(2)",
      "heading": null,
      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-II/part-B/section-3/division-2",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/II/part/B/section/3"
    },
    {
      "path": "annex/II/part/B/section/3/division/3",
      "kind": "division",
      "number": "(3)",
      "heading": null,
      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-II/part-B/section-3/division-3",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/II/part/B/section/3"
    },
    {
      "path": "annex/II/part/B/section/3/division/4",
      "kind": "division",
      "number": "(4)",
      "heading": null,
      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-II/part-B/section-3/division-4",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/II/part/B/section/3"
    },
    {
      "path": "annex/II/part/B/section/3/division/5",
      "kind": "division",
      "number": "(5)",
      "heading": null,
      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-II/part-B/section-3/division-5",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/II/part/B/section/3"
    },
    {
      "path": "annex/II/part/B/section/3/division/6",
      "kind": "division",
      "number": "(6)",
      "heading": "This section shall explain whether the borrowing rate is fixed or variable and, where applicable, the periods during which it will remain fixed; the frequency of subsequent revisions and the existence of limits to the borrowing rate variability, such as caps or floors.",
      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-II/part-B/section-3/division-6",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/II/part/B/section/3"
    },
    {
      "path": "annex/II/part/B/section/3/division/7",
      "kind": "division",
      "number": "(7)",
      "heading": null,
      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-II/part-B/section-3/division-7",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/II/part/B/section/3"
    },
    {
      "path": "annex/II/part/B/section/3/division/8",
      "kind": "division",
      "number": "(8)",
      "heading": null,
      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-II/part-B/section-3/division-8",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/II/part/B/section/3"
    },
    {
      "path": "annex/II/part/B/section/3/division/9",
      "kind": "division",
      "number": "(9)",
      "heading": null,
      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-II/part-B/section-3/division-9",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/II/part/B/section/3"
    },
    {
      "path": "annex/II/part/B/section/3/division/10",
      "kind": "division",
      "number": "(10)",
      "heading": "The creditor shall indicate, where applicable, either:",
      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-II/part-B/section-3/division-10",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/II/part/B/section/3"
    },
    {
      "path": "annex/II/part/B/section/3/division/11",
      "kind": "division",
      "number": "(11)",
      "heading": null,
      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-II/part-B/section-3/division-11",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/II/part/B/section/3"
    },
    {
      "path": "annex/II/part/B/section/4",
      "kind": "division",
      "number": "Section ‘4",
      "heading": "Interest rate’ and other costs",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/II/part/B"
    },
    {
      "path": "annex/II/part/B/section/4/division/1",
      "kind": "division",
      "number": "(1)",
      "heading": null,
      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-II/part-B/section-4/division-1",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/II/part/B/section/4"
    },
    {
      "path": "annex/II/part/B/section/4/division/2",
      "kind": "division",
      "number": "(2)",
      "heading": "The borrowing rate shall be mentioned as a percentage value. Where the borrowing rate is variable and based on a reference rate the creditor may indicate the borrowing rate by stating a reference rate and a percentage value of creditor’s spread. The creditor shall however indicate the value of the reference rate valid on the day of issuing the ESIS.",
      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-II/part-B/section-4/division-2",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/II/part/B/section/4"
    },
    {
      "path": "annex/II/part/B/section/4/division/3",
      "kind": "division",
      "number": "(3)",
      "heading": "In the section on ‘other components of the APRC’ all the other costs contained in the APRC shall be listed, including one-off costs such as administration fees, and regular costs, such as annual administration fees. The creditor shall list each of the costs by category (costs to be paid on a one-off basis, costs to be paid regularly and included in the instalments, costs to be paid regularly but not included in the instalments), indicating their amount, to whom they are to be paid and when. This does not have to include costs incurred for breaches of contractual obligations. Where the amount is not known, the creditor shall provide an indication of the amount if possible, or if not possible, how the amount will be calculated and specify that the amount provided is indicative only. Where certain costs are not included in the APRC because they are unknown to the creditor, this shall be highlighted.",
      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-II/part-B/section-4/division-3",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/II/part/B/section/4"
    },
    {
      "path": "annex/II/part/B/section/4/division/4",
      "kind": "division",
      "number": "(4)",
      "heading": null,
      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-II/part-B/section-4/division-4",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/II/part/B/section/4"
    },
    {
      "path": "annex/II/part/B/section/5",
      "kind": "division",
      "number": "Section ‘5",
      "heading": "Frequency and number of payments’",
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      "path": "annex/II/part/B/section/5/division/2",
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      "path": "annex/II/part/B/section/6",
      "kind": "division",
      "number": "Section ‘6",
      "heading": "Amount of each instalment’",
      "url": null,
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      "status": null,
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    },
    {
      "path": "annex/II/part/B/section/6/division/1",
      "kind": "division",
      "number": "(1)",
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      "status": null,
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    },
    {
      "path": "annex/II/part/B/section/6/division/2",
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      "number": "(2)",
      "heading": null,
      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-II/part-B/section-6/division-2",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/II/part/B/section/6"
    },
    {
      "path": "annex/II/part/B/section/6/division/3",
      "kind": "division",
      "number": "(3)",
      "heading": "Where all or part of the credit is an interest-only credit, a statement clearly indicating that fact, shall be inserted prominently at the end of this section using the wording in Part A.",
      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-II/part-B/section-6/division-3",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/II/part/B/section/6"
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      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-II/part-B/section-6/division-4",
      "extent": "E+W+S+N.I.",
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      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-II/part-B/section-6/division-5",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/II/part/B/section/6"
    },
    {
      "path": "annex/II/part/B/section/6/division/6",
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      "number": "(6)",
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      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-II/part-B/section-6/division-6",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/II/part/B/section/6"
    },
    {
      "path": "annex/II/part/B/section/6/division/7",
      "kind": "division",
      "number": "(7)",
      "heading": null,
      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-II/part-B/section-6/division-7",
      "extent": "E+W+S+N.I.",
      "status": null,
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    },
    {
      "path": "annex/II/part/B/section/6/division/8",
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      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-II/part-B/section-6/division-8",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/II/part/B/section/6"
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    {
      "path": "annex/II/part/B/section/7",
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      "number": "Section ‘7",
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      "path": "annex/II/part/B/section/7/division/1",
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      "number": "(1)",
      "heading": "This section shall be included where the credit is a deferred interest credit under which interest due is not fully repaid by the instalments and is added to the total amount of credit outstanding or where the borrowing rate is fixed for the duration of the credit agreement. Member States may provide that the illustrative amortisation table is compulsory in other cases.",
      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-II/part-B/section-7/division-1",
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      "extent": "E+W+S+N.I.",
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      "path": "annex/II/part/B/section/7/division/4",
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      "path": "annex/II/part/B/section/8",
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      "number": "Section ‘8",
      "heading": "Additional obligations’",
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    {
      "path": "annex/II/part/B/section/8/division/1",
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      "url": "https://openlegislation.uk/eu-directive-2014-17/annex-II/part-B/section-8/division-1",
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    {
      "path": "annex/II/part/B/section/8/division/2",
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    {
      "path": "annex/II/part/B/section/8/division/3",
      "kind": "division",
      "number": "(3)",
      "heading": "The creditor shall state whether it is compulsory for the consumer to hold any ancillary services to obtain the credit on the stated terms, and if so whether the consumer is obliged to purchase them from the creditor’s preferred supplier or whether they may be purchased from a provider of consumer’s choice. Where such possibility is conditional on the ancillary services meeting certain minimum characteristics, such characteristics shall be described in this section.",
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    {
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      "extent": "E+W+S+N.I.",
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      "heading": "Non-compliance with the commitments linked to the credit: consequences for the borrower’",
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    {
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      "heading": "The minimum knowledge and competence requirements for creditors’, credit intermediaries’ and appointed representatives’ staff referred to in Article 9 and for persons involved in the management of credit intermediaries or appointed representatives referred to in point (c) of Article 29(2) and Article 31(2) need to include at least:",
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