EU rules on consumer credit are designed to strengthen your consumer rights and to help you make an informed choice if you sign up to a credit agreement.  

Before you sign an agreement, the lender must

You can cancel the agreement within 14 days of signing. You can also repay the loan or credit at any time.

REFIT Review of the Consumer Credit Directive

Study on possible impacts of a revision of the Consumer Credit Directive - Final report 2021

Study on possible impacts of a revision of the Consumer Credit Directive - Annexes to the Final report 2021

REFIT Evaluation of the Consumer Credit Directive

Study conducted on the current legal framework of the Consumer Credit Directive and its fitness for purpose, via an assessment of its effectiveness, efficiency, relevance, coherence, EU added value and potential for simplification and burden reduction.

Supporting study of the evaluation of Directive 2008/48/EC on credit agreements for consumers

Updated mapping of the situation, nature and causes, effects and initiatives for alleviating its impact.

The over-indebtedness of european households: Updated mapping of the situation, nature and causes, effects and initiatives for alleviating its impact (Synthesis of findings)

The over-indebtedness of european households: Updated mapping of the situation, nature and causes, effects and initiatives for alleviating its impact (Country reports)

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