# Consumer Credit Directive (CCD2)

Source page: https://protegra.io/licensing/laws/eu-ccd2-2023-2225/

CCD2, Directive (EU) 2023/2225, is the new EU consumer credit law and applies from 20 November 2026. It brings buy-now-pay-later and small loans into scope, requires creditworthiness checks and clear pre-contract information, and for the first time makes non-bank consumer lenders and credit intermediaries get admitted or registered and supervised in their home member state.

## At a glance

| Official title | Directive (EU) 2023/2225 of the European Parliament and of the Council of 18 October 2023 on credit agreements for consumers [1] |
| --- | --- |
| English title | Consumer Credit Directive (CCD2) |
| Citation | Directive (EU) 2023/2225 |
| Jurisdiction | European Union (applies in every EU/EEA state) |
| Type | directive |
| Adopted | 2023-10-18 |
| In force from | 2023-11-19 |
| Status | Adopted; member states had to transpose it by 20 November 2025 and apply it from 20 November 2026 |

## Full text

**Official full text:** [Consumer Credit Directive (CCD2) (PDF, en)](https://eur-lex.europa.eu/legal-content/EN/TXT/PDF/?uri=CELEX:32023L2225) [1] · 1,259 KB · file checked 2026-09-24

Official page: [eur-lex.europa.eu](https://eur-lex.europa.eu/eli/dir/2023/2225/oj) [1]

## Summary

The second Consumer Credit Directive updates the EU's consumer lending rules and pulls buy-now-pay-later and other small or short credits into scope. It requires creditworthiness assessments, standard pre-contractual information and caps or other measures against excessive borrowing costs. For the first time at EU level, it also requires admission and supervision of non-bank creditors and credit intermediaries. It replaces Directive 2008/48/EC.

Summary written by the Atlas from the official text; the law itself prevails.

## Main articles

- **Art. 2**: Widens the scope to buy-now-pay-later and small loans that used to sit outside it.
- **Art. 18**: Requires a creditworthiness assessment of the consumer.
- **Art. 31**: Puts a brake on excessively high borrowing rates or costs.
- **Art. 37**: Requires non-credit-institution creditors and credit intermediaries to be admitted, registered and supervised.

## Licences it governs

- [Credit · Czech RepublicNon-bank Consumer Credit Provider licenceCNB](https://protegra.io/licensing/licences/lending/czech-republic-consumer-credit/)
- [Credit · EstoniaOperating licence as a creditorFI](https://protegra.io/licensing/licences/lending/estonia-creditor/)
- [Credit · EstoniaOperating licence as a credit intermediaryFI](https://protegra.io/licensing/licences/lending/estonia-intermediary/)
- [Credit · PolandLending Institution registrationKNF](https://protegra.io/licensing/licences/lending/poland-institution/)

## Upcoming changes

- 2026-11-20: CCD2 applies in the member states and Directive 2008/48/EC is repealed. [1]

## Sources

1. [EUR-Lex: CELEX 32023L2225](https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32023L2225): retrieved 2026-09-24

Last verified 2026-09-24 · Author: Danil Marmysh · Reviewed by Anastasia Sidorenkova · © Protegra. Data: CC BY 4.0, cite "Protegra Licensing Atlas". Not legal advice.