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Consumer Credit
EU rules on consumer credits to strengthen consumer rights when concluding a credit agreement.
PAGE CONTENTS
Your consumer rights
New proposal for a Directive on consumer credits repealing and replacing the Consumer Credit Directive (2008/48/EC)
EU consumer credit law
Reports on the Consumer Credit Directive 2008/48/EC
Related studies
Related links
Your consumer rights
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.
New proposal for a Directive on consumer credits repealing and replacing the Consumer Credit Directive (2008/48/EC)
EU consumer credit law
Reports on the Consumer Credit Directive 2008/48/EC
Related studies
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
05 November 2020
English (5.3 MB - PDF)
Download
Study on the over-indebtedness of European households
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)
2013
English (2.7 MB - PDF)
Download
The over-indebtedness of european households: Updated mapping of the situation, nature and causes, effects and initiatives for alleviating its impact (Country reports)
2013
English (10.2 MB - PDF)
Download
Related links
Consumer credits and loans – Information on consumer rights (Your Europe)
Departments
Justice and Consumers
Topics
Consumers
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