{
  "url": "https://openlegislation.uk/eu-directive-2014-17/annex-III/division-1",
  "json_url": "https://openlegislation.uk/eu-directive-2014-17/annex-III/division-1.json",
  "legislation": "eudr/2014/17",
  "legislation_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)",
  "legislation_url": "https://openlegislation.uk/eu-directive-2014-17",
  "path": "annex/III/division/1",
  "kind": "division",
  "number": "1",
  "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:",
  "text": "(a) appropriate knowledge of credit products within the scope of Article 3 and the ancillary services typically offered with them;\n(b) appropriate knowledge of the laws related to the credit agreements for consumers, in particular consumer protection;\n(c) appropriate knowledge and understanding of the immovable property purchasing process;\n(d) appropriate knowledge of security valuation;\n(e) appropriate knowledge of organisation and functioning of land registers;\n(f) appropriate knowledge of the market in the relevant Member State;\n(g) appropriate knowledge of business ethics standards;\n(h) appropriate knowledge of the consumer’s creditworthiness assessment process or where applicable, competence in assessing consumers’ creditworthiness;\n(i) appropriate level of financial and economic competency.",
  "extent": "E+W+S+N.I.",
  "status": null,
  "version": "current",
  "annotations": [],
  "outstanding_effects": [],
  "provenance": {
    "source": "legislation.gov.uk",
    "source_url": "https://www.legislation.gov.uk/eudr/2014/17/annex/III/division/1",
    "retrieved_at": "2026-11-01T15:21:49.991962+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."
}