2002/0222(COD)

Consumer Credit Directive

Proposal for a DIRECTIVE OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL on the harmonisation of the laws, regulations and administrative provisions of the Member States concerning credit for consumers

Stage: In force, reached 22 May 2008
In force: In force since 11 Jun 2008 · CELEX 32008L0048
Transposition deadline: 11 Jun 2010
Procedure: Directive · Ordinary legislative procedure
Rapporteur: Kurt Lechner (PPE-DE)
Last activity: 22 May 2008

4 entries · record as of 14 Sept 2026

Where it stands

Latest: Publication in the Official Journal, 22 May 2008.

20 Apr 2004
- EP position at first reading
16 Jan 2008
- Adoption of amendments to the Council’s first reading position by the EP
23 Apr 2008
- Signature by the president of the EP and by the president of the Council
22 May 2008
- Publication in the Official Journal

1 person

Who is on it

The Parliament's rapporteurs, shadow rapporteurs and opinion rapporteurs currently on this file.

Role	Name	Group	Country	Committee
Rapporteur	Kurt Lechner	PPE-DE	DE	IMCO

1 act

Delegated and implementing acts beneath it

By status: 1 published.

Act	Kind	Status	Adoption
Commission Implementing Regulation (EU) 2023/2083	Implementing · Regulation	Published	Q3 2023

Titles link to EUR-Lex where the act has been published.

21 documents

Documents

Newest first. Each opens at its source.

Report · A5-0224/2004Parliament
Report · A5-0310/2003Parliament
Report · A6-0504/2007Parliament
Proposal · COM(2002)0443Commission
Proposal · COM(2004)0747Commission
Proposal · COM(2008)0117Commission
Proposal · COM(2020)0963Commission
Text adopted · Corrigendum to final act 32008L0048R(01)Commission
Text adopted · Corrigendum to final act 32008L0048R(02)Commission
Text adopted · Corrigendum to final act 32008L0048R(03)Commission
Text adopted · Directive 2008/0048Commission
OJ C 234 30.09.2003, p. 0001-0010Commission
Text adopted · OJ L 133 22.05.2008, p. 0066Commission
Text adopted · OJ L 199 31.07.2010, p. 0040Commission
Text adopted · OJ L 207 11.08.2009, p. 0014Commission

Show the other 6 documents

Text adopted · OJ L 234 10.09.2011, p. 0046Commission
Report · PE396.526Parliament
Amendments · PE398.282Parliament
Text adopted · SP(2008)1176Parliament
Text adopted · T5-0297/2004Parliament
Text adopted · T6-0011/2008Parliament

Summary

Generated

Directive 2008/48/EC harmonizes EU rules on consumer credit agreements, covering advertising, pre-contractual information, creditworthiness assessment, right of withdrawal, and early repayment. It applies to credit agreements between EUR 200 and EUR 75,000, with exclusions for mortgages and certain overdrafts. Member States applied it from 11 June 2010, and it remains in force as amended.

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Sources: EP Legislative Observatory · EU Law Tracker · EUR-Lex. Record as of 14 Sept 2026. Something wrong on this page? Report an error.

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