{
  "url": "https://openlegislation.uk/eu-directive-2014-17/article-44",
  "json_url": "https://openlegislation.uk/eu-directive-2014-17/article-44.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": "article/44",
  "kind": "article",
  "number": "44",
  "heading": "Review clause",
  "text": "The Commission shall undertake a review of this Directive by 21 March 2019. The review shall consider the effectiveness and appropriateness of the provisions on consumers and the internal market.\nThe review shall include the following:\n(a) an assessment of the use and consumer understanding of and satisfaction with the ESIS;\n(b) an analysis of other pre-contractual disclosures;\n(c) an analysis of cross-border business by credit intermediaries and creditors;\n(d) an analysis of the evolution of the market for non-credit institutions providing credit agreements relating to residential immovable property;\n(e) an assessment on the need for further measures, including a passport for non-credit institutions providing credit agreements relating to residential immovable property;\n(f) an examination of the need to introduce additional rights and obligations with regard to the post-contractual stage of credit agreements;\n(g) an assessment of whether the scope of this Directive remains appropriate, taking account of its impact on other, substitutable forms of credit;\n(h) an assessment of whether additional measures are necessary to ensure the traceability of credit agreements secured against residential immovable property;\n(i) an assessment of the availability of data on trends in prices of residential immovable property and on the extent to which data are comparable;\n(j) an assessment of whether it continues to be appropriate to apply Directive 2008/48/EC to unsecured credits the purpose of which is the renovation of a residential immovable property involving a total amount of credit above the maximum amount specified in point (c) of Article 2(2) of that Directive;\n(k) an assessment of whether the arrangements for the publication of sanctions under Article 38(2) provide sufficient transparency;\n(l) an assessment of the proportionality of warnings referred to in Articles 11(6) and 13(2) and the potential for further harmonisation of risk warnings.",
  "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/article/44",
    "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."
}