European Union: Consumer Credit

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Consumer protection law thought leadership, articles, podcasts, videos and webinars from expert sources across the legal world. Explore insights covering topics that involve consumer protection regulations and the developing law surrounding them from specialists working in this area.

Implementation Act Consumer Credit Directive II

The act to implement the revised Consumer Credit Directive (the Implementation Act) was published on 12 November 2025 and is currently before the Council of State for advice.

Netherlands Finance

LL

Loyens & Loeff

The CP Legislative Updates Series – November 2025

There were several important legislative changes which were published over the course of November 2025. Below is an overview of the key updates across different areas.

Malta Government

CP

Camilleri Preziosi Advocates

Horizon Scanner Finance December 2025 - Irish Developments

Member States were required to adopt national transposing legislation relating to the revised Consumer Credit Directive...

Ireland Consumer

AC

Arthur Cox

Department Of Finance Sets Direction On Ireland's Distance Marketing Rules

The Directive focuses on consumer financial services contracts concluded at a distance. It repeals Directive 2002/65/EC concerning the distance marketing of consumer financial services and amends the 2011 Consumer Rights Directive...

Ireland Finance

WF

William Fry

Malta's Transposition Of The Consumer Credit Directive II: MFSA Revises Rulebook For Banks

GA

Ganado Advocates

Proposed Bill Implementing Directive (EU) 2023/2225 On Credit Agreements For Consumers Adopted

Germany Finance

PL

PwC Legal Germany

New Draft Bill Implementing EU Consumer Credit Rules Published For Consultation

Denmark Consumer

P

Plesner

Landmark Ruling: UK Supreme Court Clarifies Consumer Rights In Motor Finance Agreements

European Union Finance

AC

Arthur Cox

Warsaw Financial Regulatory Podcast: Episode 2

AO

A&O Shearman

MFSA Issues Finalised Conduct Of Business Rulebook For Banks

GA

Ganado Advocates

CJEU Rules On Transparency Requirements In Consumer Credit Agreements

GA

Ganado Advocates

CJEU Judgment: Financial Institutions Must Comply With Disclosure Obligations

GZ

George Z. Georgiou & Associates LLC

Luxembourg Tax Administration Publishes New Circular On Interest Rates On Shareholders' Current Accounts

Luxembourg Commercial

LL

Loyens & Loeff

'Buy Now, Pay Later' Schemes Examined By The CJEU Under The Consumer Credit Directive

GA

Ganado Advocates

Podcast Series Episode 8: Multiple-Vote Share Structures Directive

BL

Bernitsas Law

On The Legal Side N°16 (Podcast)

France Law Performance

AD

August Debouzy

Ep3 - Planning Ahead - The Reform Of Judicial Reform Procedures (Podcast)

Ireland Litigation

WF

William Fry

Employment Law And Pay Transparency | Remuneration Essentials (Video)

Luxembourg Employment

AM

Arendt & Medernach

Relocate To Malta – Citizenship & Residence Planning (Video)

Malta Immigration

CG

CSB Group

An Overview Of The New Consumer Credit Directive

One year after the new EU Consumer Credit Directive (Directive 2023/2225) came into force, questions remain: When will it be implemented? What will be regulated? How is the business community reacting...

European Union Consumer

MW

McDermott Will & Emery

EU Credit Servicing Directive – Amendment To Consumer Protection Code

The Directive on Credit Servicers and Credit Purchasers (Directive (EU) 2021/2167Opens in new window, the "Credit Servicing Directive") applies to the sales and servicing of non-performing loans ("NPLs") issued by a credit institution established in the EU.

European Union Consumer

M

Matheson

Litigation Funding Comparative Guide

Litigation Funding Comparative Guide for the jurisdiction of Hungary, check out our comparative guides section to compare across multiple countries

Hungary Finance

Q

Queritius

Litigation Funding Comparative Guide

Litigation Funding Comparative Guide for the jurisdiction of Portugal, check out our comparative guides section to compare across multiple countries

Portugal Finance

UM

Uria Menendez

Litigation Funding Comparative Guide

K

Kapatens

Positive Credit Register Was Introduced On 1 April 2024 – Requests For Credit Register Extracts From The Register Started Briskly In April After The Register Was Opened

Finland Consumer

PH

Procope & Hornborg

Consumer Credit Directive II: Consumer Credit Legislation For The Digital Age

Austria Consumer

SA

Schoenherr Attorneys at Law

The Administrative Court Of Appeal Upholds A Decision On Penalty Fees For Resurs Bank

L

Lindahl

New Memorandum Proposes More Stringent Requirements In Relation To Provision Of Consumer Credit

Sweden Consumer

L

Lindahl

Financial Conduct Authority To Gather More Information From UK Consumer Credit Firms

Belgium Consumer

OC

Osborne Clarke

A Creditor's Obligation To Assess The Creditworthiness Of A Consumer

FM

Finance Malta

The MFSA Consults On A Draft Conduct Of Business Rulebook For Banks

FM

Finance Malta

Aggiornamento Giurisprudenziale - N. 10 / 2023

FIVELEX Studio Legale e Tributario

A Creditor's Obligation To Assess The Creditworthiness Of A Consumer

European Union Consumer

GA

Ganado Advocates

A Creditor's Obligation To Assess The Creditworthiness Of A Consumer

In examining the case of Nárokuj s.r.o. v EC Financial Services, a.s (C-755/22), the Court of Justice of the European Union (the "CJEU") considered the obligation which banks...

FM

Finance Malta

The MFSA Consults On A Draft Conduct Of Business Rulebook For Banks

On the 19 February 2024, the MFSA issued a consultation on a proposed "Conduct of Business Rulebook for Credit Institutions" (the "Conduct Rulebook")...

FM

Finance Malta

Aggiornamento Giurisprudenziale - N. 10 / 2023

Corte di Cassazione, 6 settembre 2023, n. 1951 – rimborso anticipato dei costi sostenuti dal consumatore in caso di estinzione anticipata del finanziamento: in tema di estinzione anticipata del finanziamento, l'art. 125 del TUB, ...

FIVELEX Studio Legale e Tributario

A Creditor's Obligation To Assess The Creditworthiness Of A Consumer

In examining the case of Nárokuj s.r.o. v EC Financial Services, a.s (C-755/22), the Court of Justice of the European Union (the "CJEU") considered the obligation...

European Union Consumer

GA

Ganado Advocates

Changing The Terms Of A Credit Agreement And Forbearance Policies And Measures: New Obligations On Lenders In Consumer And Residential Property Credit Agreements

European Union Consumer

FM

Finance Malta

The Consumer Credit Directive Revamped

Personal loans and overdrafts, credit cards and short-term credit products are amongst the commonest consumer lending products offered by banks and financial institutions to satisfy a variety of consumer needs.

GA

Ganado Advocates

Enhanced Consumer Protection In Loans And Distance Financial Services Contracts

Strengthening consumer protection in financial services remains a key topic on the EU legislative agenda. Through Directive (EU) 2023/2225 of 18 October 2023 on credit agreements for consumers...

Luxembourg Finance

EH

ELVINGER HOSS PRUSSEN, société anonyme

The Administrative Court Annuls The Swedish Financial Supervisory Authority's Decision

The Administrative Court in Stockholm has today announced that it has annulled the Swedish Financial Supervisory Authority's decision to issue observations...

L

Lindahl

The Swedish Financial Supervisory Authority Welcomes Most Of The Proposals In The Report On Overindebtedness

On 3 July 2023, the report on enhanced consumer protection against risky lending and over-indebtedness (SOU 2023:38)...

L

Lindahl

Regulating Buy Now, Pay Later: Code Of Conduct And Revision Of Consumer Credits Directive

European Union Consumer

LL

Loyens & Loeff

Litigation Funding Comparative Guide

Germany Finance

N

Nivalion

The Government Is Proposing New Regulations For Non-Performing Credit Agreements

L

Lindahl

FIG Top 5 At 5 - 02/11/2023

Ireland Finance

M

Matheson

Adoption Of A New Directive Modernising Credit For Consumers

Luxembourg Finance

CL

CMS Luxembourg

Consumer Protection Act Has Been Reformed – What Should Online Stores Know About It?

European Union Consumer

CS

Castren & Snellman Attorneys

FIG Top 5 At 5 - 21/09/2023

European Union Consumer

M

Matheson

New Directive On Consumer Credit Adopted By EU Parliament

European Union Consumer

AM

Arendt & Medernach

EBA's Report On Mystery Shopping Of Personal Loans And (basic) Payment Accounts Demonstrate The Value This Supervisory Tool Generally Adds To Tasks Of NCAs

European Union Consumer

PL

PwC Legal Germany

Bill To Regulate "Buy Now Pay Later" Credits Introduced In Parliament

Denmark Consumer

P

Plesner

FIG Top 5 At 5 - 22/06/2023

Ireland Finance

M

Matheson

CJEU Clarifies Reduction Of Costs In Early Repayment Of Credit Under Directive 2014/17/EU

European Union Litigation

GA

Ganado Advocates

Consumer Credit (Amendment) Act 2022

Ireland Finance

DE

Dillon Eustace

Buy-Now-Pay-Later: More To Come

France Consumer

NR

Norton Rose Fulbright

Buy Now Pay Later: New EU Regulation Should Close Debt Traps

Austria Consumer

SA

Schoenherr Attorneys at Law

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