EU Consumer Credit Directive 2 (CCD2)
Enacted European Union · In force Nov 20, 2026 · next deadline Nov 20, 2026 (in 55 days)
Deadlines
| Date | What happens | When |
|---|---|---|
| Coming up | ||
| Nov 20, 2026in 7 weeks | National rules apply | in 55 days |
| Earlier | ||
| Nov 20, 202510 months ago | Transposition deadline | 10 months ago |
Summaries for reference, not legal advice. Check the official text.
What it does
Replaces the 2008 Consumer Credit Directive and extends it to buy-now-pay-later and small loans. Creditworthiness assessments must use relevant, accurate data and may not use special category data or social media data. Where the assessment involves automated processing, consumers get a right to human intervention and an explanation.
- Who it applies to
- Creditors and credit intermediaries offering consumer credit in the EU, including online lenders and BNPL providers.
- Penalties
- Set by Member States (Article 44). In coordinated cross-border cases under Regulation (EU) 2017/2394, authorities must be able to impose fines.
- Enforced by
- National consumer credit and financial conduct authorities.
- Official name
- Directive (EU) 2023/2225 on credit agreements for consumers
- Citation
- Directive (EU) 2023/2225
- Topics
- financial, privacy, ai
Verified 2026-09-25 publications.europa.eu
Research notes
Recitals state creditworthiness data should not include special category data or information obtained from social networks. Member States must notify penalty rules by 2026-11-20.
Related
Questions about EU Consumer Credit Directive 2 (CCD2)
- What are the EU Consumer Credit Directive 2 (CCD2) compliance deadlines?
- Nov 20, 2025: Transposition deadline. Nov 20, 2026: National rules apply.
- When does EU Consumer Credit Directive 2 (CCD2) take effect?
- EU Consumer Credit Directive 2 (CCD2) takes effect on Nov 20, 2026. The next milestone is Nov 20, 2026: National rules apply.
- Who does EU Consumer Credit Directive 2 (CCD2) apply to?
- Creditors and credit intermediaries offering consumer credit in the EU, including online lenders and BNPL providers.
- What are the penalties under EU Consumer Credit Directive 2 (CCD2)?
- Set by Member States (Article 44). In coordinated cross-border cases under Regulation (EU) 2017/2394, authorities must be able to impose fines.