{
  "url": "https://openlegislation.uk/eu-directive-2014-17/annex-III/division-3",
  "json_url": "https://openlegislation.uk/eu-directive-2014-17/annex-III/division-3.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/3",
  "kind": "division",
  "number": "3",
  "heading": "Member States shall determine the appropriate level of knowledge and competence on the basis of:",
  "text": "(a) professional qualifications, e.g. diplomas, degrees, training, competency tests; or\n(b) professional experience, which may be defined as a minimum number of years working in areas related to the origination, distribution or intermediation of credit products.\nAfter 21 March 2019, the determination of the appropriate level of knowledge and competence shall not be based solely on the methods listed in point (b) of the first subparagraph.",
  "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/3",
    "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."
}