2011/0062(COD)COM(2011)142

Mortgage Credit Directive

Proposal for a DIRECTIVE OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL on credit agreements relating to residential property

Stage: In force, reached 28 Feb 2014
In force: In force since 20 Mar 2014 · CELEX 32014L0017
Transposition deadline: 21 Mar 2016
Procedure: Directive · Ordinary legislative procedure
Last activity: 20 Mar 2014

1 act

Delegated and implementing acts beneath it

By status: 1 published.

Act	Kind	Status	Adoption
Commission Delegated Regulation (EU) 2014/1125	Delegated · Regulation	Published	19/09/2014

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

19 documents

Documents

Newest first. Each opens at its source.

Report · A7-0202/2012Parliament
Proposal · COM(2021)0229Commission
Text adopted · Corrigendum to final act 32014L0017R(03)Commission
Text adopted · Directive 2014/0017Commission
OJ C 240 18.08.2011, p. 0003Commission
OJ C 377 23.12.2011, p. 0005Commission
Text adopted · OJ L 060 28.02.2014, p. 0034Commission
Text adopted · OJ L 246 23.09.2015, p. 0011Commission
Committee opinion · PE467.293Parliament
Report · PE469.842Parliament
Committee opinion · PE472.205Parliament
Amendments · PE473.729Parliament
Amendments · PE473.804Parliament
SEC(2011)0355Commission
SEC(2011)0356Commission
SEC(2011)0357Commission
Text adopted · SP(2014)148Parliament
Text adopted · T7-0341/2013Parliament
Text adopted · T7-0541/2013Parliament

Summary

Generated

The Mortgage Credit Directive (2014/17/EU) sets EU rules for consumer credit secured by residential property, including mandatory creditworthiness assessments, standard pre-contractual information via the ESIS, and a common APRC calculation. It applies to mortgage and other residential property credit agreements, with exemptions for equity release, employer and interest-free loans.

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Sources: EP Legislative Observatory · EU Law Tracker · EUR-Lex. Record as of 30 Sept 2026. Something wrong on this page? Report an error.

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