Regulationsby GlyphEU Consumer Credit Directive 2 (CCD2)
Enacted European Union · In force Nov 20, 2026 · next deadline Nov 20, 2026 (in 24 days)
Deadlines
Coming up
National rules applyMember States must apply the transposing measures from this date and the 2008 Directive is repealed.
Already passed
Transposition deadlineMember States must adopt and publish transposing laws (Article 48).
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.
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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.