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
In force: In force since 20 Mar 2014 · CELEX 32014L0017
Transposition deadline: 21 Mar 2016
Procedure: Directive
Last activity: 4 Feb 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.

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: EUR-Lex. Record as of 14 Sept 2026. Something wrong on this page? Report an error.

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