COM(2002)443 - Harmonisation of the laws, regulations and administrative provisions of the Member States concerning credit for consumers

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This page contains a limited version of this dossier in the EU Monitor.

Contents

  1. Key information
  2. Key dates
  3. Related information
  4. Resulting legislation
  5. Full version
  6. EU Monitor

1.

Key information

official title

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
 
Legal instrument Directive
Decision making procedure ordinary legislative procedure (COD)
reference by COM-number151 COM(2002)443 EN
Additional COM-numbers COM(2004)747; COM(2005)483; COM(2007)546; COM(2008)117
procedure number153 2002/0222(COD)
CELEX number154 52002PC0443

2.

Key dates

Document 11-09-2002
Online publication 11-09-2002
Decision 23-04-2008; Richtlijn 2008/48
Publication in Official Journal155 22-05-2008; OJ L 133, 22.5.2008,Special edition in Croatian: Chapter 15 Volume 013

3.

Related information

4.

Resulting legislation

 

5.

Full version

This page is also available in a full version containing the latest state of affairs, the summary of the European Parliament Legislative Observatory, the legal basis, the legal context, other dossiers related to the dossier at hand, the stakeholders involved (e.g. European Commission directorates-general, European Parliament committees, Council configurations and even individual EU Commissioners and Members of the European Parliament) and finally documents of the European Parliament, the Council of Ministers and the European Commission.

The full version is available for registered users of the EU Monitor by ANP and PDC Informatie Architectuur.

6.

EU Monitor

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  • 1. 
    Council Directive 87/102/EEC of 22 December 1986 for the approximation of the laws, regulations and administrative provisions of the Member States concerning consumer credit.

     
  • 2. 
    Council Directive 90/88/EEC of 22 February 1990 amending Directive 87/102/EEC for the approximation of the laws, regulations and administrative provisions of the Member States concerning consumer credit, OJ L 061, 10/03/1990 p. 14-18, itself amended by Directive 98/7/EC of the European Parliament and of the Council of 16 February 1998 amending Directive 87/102/EEC for the approximation of laws, regulations and administrative provisions of the Member States concerning consumer credit, OJ L 101, 01/04/1998 p. 17-23.

     
  • 3. 
    European Commission, report on the operation of Directive 87/102/EEC, COM(95)117 final.

     
  • 4. 
    European Commission, report on the operation of Directive 90/88/EEC, COM(96) 79 final of 12.04.96.

     
  • 5. 
    COM(97) 465 final of 24.09.97.

     
  • 6. 
    Communication from the Commission - Financial services: enhancing consumer confidence - follow-up to the Green Paper on "Financial services: meeting consumers' expectations", COM(97)309 final.

     
  • 7. 
    LEA, M.J., WELTER, R., DÜBEL, A.,
     
  • 8. 
    cf. Eurobarometer 54, February 2001 'Les Européens et les services financiers' and EB 56, December 2001: 'Europeans and the financial services'.

     
  • 9. 
    See monthly BEU bulletins.

     
  • 10. 
    Council Directive 87/102/EEC of 22 December 1986 for the approximation of the laws, regulations and administrative provisions of the Member States concerning consumer credit.

     
  • 11. 
    Court of Justice. Judgment of 23 March 2000, Case C-208/98, Berliner Kindl Brauerei AG.

     
  • 12. 
    Similar or comparable legislation in the M S - non-exhaustive list for F, UK, L, B, IRL, and S.

     
  • 13. 
    The Member States have comprehensively stretched the limit of scope of Directive 87/102/EEC. Similar or comparable legislation in the Member States - a non-exhaustive list grouped by exemption:

     
  • 14. 
    Council Directive 90/88/EEC of 22 February 1990 amending Directive 87/102/EEC for the approximation of the laws, regulations and administrative provisions of the Member States concerning consumer credit, OJ L 061, 10/03/1990 p. 14-18, itself amended by Directive 98/7/EC of the European Parliament and of the Council of 16 February 1998 amending Directive 87/102/EEC for the approximation of laws, regulations and administrative provisions of the Member States concerning consumer credit, OJ L 101, 01/04/1998 p. 17-23.

     
  • 15. 
    OJ L 141, 11.06.1993, p. 27

     
  • 16. 
    European Commission, report on the operation of Directive 87/102/EEC, COM(95)117 final.

     
  • 17. 
    European Commission, report on the operation of Directive 87/102/EEC, COM(95)117 final.

     
  • 18. 
    Council Directive 90/88/EEC of 22 February 1990 amending Directive 87/102/EEC for the approximation of the laws, regulations and administrative provisions of the Member States concerning consumer credit, OJ L 061, 10/03/1990 p. 14-18, itself amended by Directive 98/7/EC of the European Parliament and of the Council of 16 February 1998 amending Directive 87/102/EEC for the approximation of laws, regulations and administrative provisions of the Member States concerning consumer credit, OJ L 101, 01/04/1998 p. 17-23.

     
  • 19. 
    Similar or comparable legislation in the MS - non-exhaustive list: UK, B and L; partial legislation in respect of certain effects or door-to-door selling situations: IRL and NL.

     
  • 20. 
    See Court of Justice. Judgment of 13 December 2001, Case C-481/99.

     
  • 21. 
    Similar or comparable legislation in the MS - non-exhaustive list: paragraph 1 and paragraph 2: most of the MS, for example, F and B: offer in advance, NL: prospectus; IRL and L: information relating to advertising, the activities pursued by the credit provider, UK: the duty to provide information and to specify this information for each credit agreement etc. paragraph 3: B

     
  • 22. 
    JO L 69, 10/03/2001 p. 0025 - 0029

     
  • 23. 
    European Commission, report on the operation of Directive 87/102/EEC, COM(95)117 final.

     
  • 24. 
    LEA, M.J., WELTER, R., DÜBEL, A.,
     
  • 25. 
    European Commission, report on the operation of Directive 90/88/EEC, COM(96) 79 final of 12.04.96.

     
  • 26. 
    Similar or comparable legislation in the MS - non-exhaustive list: the situation differs widely from one MS to another: NL and B: virtually similar legislation but extended to include positive files, D, A and I: positive files that go beyond the positive recording of data on credit and surety agreements with no consultation requirement; F and DK: only negative files with no consultation requirement. By way of contrast, UK: no central database, virtually unrestricted freedom to set up private decentralised databases with no common criteria or consultation requirement.

     
  • 27. 
    Similar or comparable legislation in MS - non-exhaustive list: NL, B and for guarantors F and S.

     
  • 28. 
    Council Directive 90/88/EEC of 22 February 1990 amending Directive 87/102/EEC for the approximation of the laws, regulations and administrative provisions of the Member States concerning consumer credit, OJ L 061, 10/03/1990 p. 14-18, itself amended by Directive 98/7/EC of the European Parliament and of the Council of 16 February 1998 amending Directive 87/102/EEC for the approximation of laws, regulations and administrative provisions of the Member States concerning consumer credit, OJ L 101, 01/04/1998 p. 17-23.

     
  • 29. 
    Almost all the MS have something similar. Similar or comparable legislation in the MS - non-exhaustive list: B: right of 'renonciation' during a period of seven working days, R: 'rétractation' period lasting seven days, IRL right to 'withdraw' for 10 calendar days, L: right 'à se départir' but only for credit agreements granted by a supplier and within two days. UK: 'cooling-off period' various arrangements, D and A: 'Widerrufsrecht'.

     
  • 30. 
    Similar or comparable legislation in the MS with regulations that in general terms exceed the directive by guaranteeing a fuller base: B, E, F, NL, A, S; MS with unique solutions or which include the insurance charges: B, DK, E, F, NL, A, S, UK.

     
  • 31. 
    LEA, M.J., WELTER, R., DÜBEL, A.,
     
  • 32. 
    Similar or comparable legislation in the MS - non-exhaustive list: (1) with restrictions regarding the calculation and/or the amount of the indemnity: IRL, NL, B, L, UK, (2) with ban: F

     
  • 33. 
    Similar or comparable legislation in the MS - non-exhaustive list: in the UK there is a system of 'pure' joint and several liability without any exclusive link but which has now a lower and an upper limit. Other MS such as F and D have developed 'independent' systems. The B, IRL, F and L have not kept a lower limit. NL has a lower limit..

     
  • 34. 
    Report on the operation of Directive 87/102/EEC for the approximation of the laws, regulations and administrative provisions of the Member States concerning consumer credit - COM (95) 117 final of 11.05.95 paragraphs 184 -188. Summary report of reactions and comments COM (97) 465 final of 24.09.97, No II.5.

     
  • 35. 
    Similar or comparable legislation in the MS - non-exhaustive list: B, IRL, NL, L, UK.

     
  • 36. 
    Council Directive 87/102/EEC of 22 December 1986 for the approximation of the laws, regulations and administrative provisions of the Member States concerning consumer credit.

     
  • 37. 
    Council Directive 87/102/EEC of 22 December 1986 for the approximation of the laws, regulations and administrative provisions of the Member States concerning consumer credit.

     
  • 38. 
    European Commission, report on the operation of Directive 90/88/EEC, COM(96) 79 final of 12.04.96.

     
  • 39. 
    Council Directive 87/102/EEC of 22 December 1986 for the approximation of the laws, regulations and administrative provisions of the Member States concerning consumer credit.

     
  • 40. 
    Council Directive 90/88/EEC of 22 February 1990 amending Directive 87/102/EEC for the approximation of the laws, regulations and administrative provisions of the Member States concerning consumer credit, OJ L 061, 10/03/1990 p. 14-18, itself amended by Directive 98/7/EC of the European Parliament and of the Council of 16 February 1998 amending Directive 87/102/EEC for the approximation of laws, regulations and administrative provisions of the Member States concerning consumer credit, OJ L 101, 01/04/1998 p. 17-23.

     
  • 41. 
    OJ C , p.

     
  • 42. 
    OJ C , , p. .

     
  • 43. 
    OJ C , , p. .

     
  • 44. 
    COM(95) 117 final.

     
  • 45. 
    OJ L 42, 12.2.1987, p.48. Directive most recently amended by Directive 98/7/EC (OJ L 101, 1.4.1998, p.17.

     
  • 46. 
    COM(97) 465 final.

     
  • 47. 
    COM(96) 79 final.

     
  • 48. 
    OJ L 61, 10.3.1990, p.14..

     
  • 49. 
    OJ L 69, 10.3.2001, p. 25.

     
  • 50. 
    OJ L 250, 19.9.1984, p. 17. Directive amended by Directive 97/55/EC of the European Parliament and of the Council (OJ L 290, 23.10.1997, p.18).

     
  • 51. 
    OJ L 372, 31.12.1985, p. 31.

     
  • 52. 
    OJ L 281, 23.11.1995, p.31.

     
  • 53. 
    OJ L 95, 21.4.1993, p.29.

     
  • 54. 
    OJ L
     
  • 55. 
    Council Directive 90/88/EEC of 22 February 1990 amending Directive 87/102/EEC for the approximation of the laws, regulations and administrative provisions of the Member States concerning consumer credit, OJ L 061, 10/03/1990 p. 14-18, itself amended by Directive 98/7/EC of the European Parliament and of the Council of 16 February 1998 amending Directive 87/102/EEC for the approximation of laws, regulations and administrative provisions of the Member States concerning consumer credit, OJ L 101, 01/04/1998 p. 17-23.

     
  • 56. 
    OJ L 141, 11.6.1993, p.27.

     
  • 57. 
    OJ L 141, 11.6.1993, p.27.

     
  • 58. 
    European Commission, report on the operation of Directive 87/102/EEC, COM(95)117 final.

     
  • 59. 
    Council Directive 87/102/EEC of 22 December 1986 for the approximation of the laws, regulations and administrative provisions of the Member States concerning consumer credit.

     
  • 60. 
    Council Directive 90/88/EEC of 22 February 1990 amending Directive 87/102/EEC for the approximation of the laws, regulations and administrative provisions of the Member States concerning consumer credit, OJ L 061, 10/03/1990 p. 14-18, itself amended by Directive 98/7/EC of the European Parliament and of the Council of 16 February 1998 amending Directive 87/102/EEC for the approximation of laws, regulations and administrative provisions of the Member States concerning consumer credit, OJ L 101, 01/04/1998 p. 17-23.

     
  • 61. 
    European Commission, report on the operation of Directive 90/88/EEC, COM(96) 79 final of 12.04.96.

     
  • 62. 
    OJ L 144, 4.6.1997, p.19.

     
  • 63. 
    OJ L 280, 29.10.1994, p.83.

     
  • 64. 
    European Commission, report on the operation of Directive 87/102/EEC, COM(95)117 final.

     
  • 65. 
    LEA, M.J., WELTER, R., DÜBEL, A.,
     
  • 66. 
    European Commission, report on the operation of Directive 87/102/EEC, COM(95)117 final.

     
  • 67. 
    Council Directive 87/102/EEC of 22 December 1986 for the approximation of the laws, regulations and administrative provisions of the Member States concerning consumer credit.

     
  • 68. 
    OJ L 126, 26.5.2000, p. 1.

     
  • 69. 
    European Commission, report on the operation of Directive 90/88/EEC, COM(96) 79 final of 12.04.96.

     
  • 70. 
    Council Directive 87/102/EEC of 22 December 1986 for the approximation of the laws, regulations and administrative provisions of the Member States concerning consumer credit.

     
  • 71. 
    Council Directive 90/88/EEC of 22 February 1990 amending Directive 87/102/EEC for the approximation of the laws, regulations and administrative provisions of the Member States concerning consumer credit, OJ L 061, 10/03/1990 p. 14-18, itself amended by Directive 98/7/EC of the European Parliament and of the Council of 16 February 1998 amending Directive 87/102/EEC for the approximation of laws, regulations and administrative provisions of the Member States concerning consumer credit, OJ L 101, 01/04/1998 p. 17-23.

     
  • 72. 
    For further information, see separate explanatory note.

     
  • 73. 
    For further information, see separate explanatory note.

     
  • 74. 
    For further information, see separate explanatory note.

     
  • 75. 
    Council Directive 87/102/EEC of 22 December 1986 for the approximation of the laws, regulations and administrative provisions of the Member States concerning consumer credit.

     
  • 76. 
    Council Directive 87/102/EEC of 22 December 1986 for the approximation of the laws, regulations and administrative provisions of the Member States concerning consumer credit.

     
  • 77. 
    Council Directive 90/88/EEC of 22 February 1990 amending Directive 87/102/EEC for the approximation of the laws, regulations and administrative provisions of the Member States concerning consumer credit, OJ L 061, 10/03/1990 p. 14-18, itself amended by Directive 98/7/EC of the European Parliament and of the Council of 16 February 1998 amending Directive 87/102/EEC for the approximation of laws, regulations and administrative provisions of the Member States concerning consumer credit, OJ L 101, 01/04/1998 p. 17-23.

     
  • 78. 
    European Commission, report on the operation of Directive 87/102/EEC, COM(95)117 final.

     
  • 79. 
    European Commission, report on the operation of Directive 90/88/EEC, COM(96) 79 final of 12.04.96.

     
  • 80. 
    COM(97) 465 final of 24.09.97.

     
  • 81. 
    Communication from the Commission - Financial services: enhancing consumer confidence - follow-up to the Green Paper on "Financial services: meeting consumers' expectations", COM(97)309 final.

     
  • 82. 
    LEA, M.J., WELTER, R., DÜBEL, A., ' Study on the mortgage credit in the European Economic Area. Structure of the sector and application of the rules in the directives 87/102 and 90/88. Final report on tender n° XXIV/96/U6/21 SECKELMANN, R., ' Methods of calculation, in the European Economic Area, of the annual percentage rate of charge, Final Report 31 October 1995, Contract n° AO 2600/94/00101, REIFNER, U., Harmonisation of cost elements of the annual percentage rate of charge, APR, Hamburg 1998, Project n° AO-2600/97/000169. DOMONT-NAERT, F., et LACOSTE, A.-C., ' Etude sur le problème de l'usure dans certains états membres de l'espace économique européen, Louvain-la-Neuve 1997, Contrat n° AO-2600/96/000260 ; DOMONT-NAERT, F., et DEJEMEPPE, P, Etude sur le rôle et les activités des intermédiaires de crédit aux consommateurs, contrat n° AO-2600/95/000254, 1996, BALATE, E., et DEJEMEPPE, P., "Conséquences de l'inexécution des contrats de crédit à la consommation." Etude AO-2600/95/000270 Commission européenne, rapport final.

     
  • 83. 
    cf. Eurobarometer 54, February 2001 'Les Européens et les services financiers' and EB 56, December 2001: 'Europeans and the financial services'.

     
  • 84. 
    See monthly BEU bulletins.

     
  • 85. 
    Council Directive 87/102/EEC of 22 December 1986 for the approximation of the laws, regulations and administrative provisions of the Member States concerning consumer credit.

     
  • 86. 
    Court of Justice. Judgment of 23 March 2000, Case C-208/98, Berliner Kindl Brauerei AG.

     
  • 87. 
    Similar or comparable legislation in the M S - non-exhaustive list for F, UK, L, B, IRL, and S.

     
  • 88. 
    The Member States have comprehensively stretched the limit of scope of Directive 87/102/EEC. Similar or comparable legislation in the Member States - a non-exhaustive list grouped by exemption:

     
  • 89. 
    Council Directive 90/88/EEC of 22 February 1990 amending Directive 87/102/EEC for the approximation of the laws, regulations and administrative provisions of the Member States concerning consumer credit, OJ L 061, 10/03/1990 p. 14-18, itself amended by Directive 98/7/EC of the European Parliament and of the Council of 16 February 1998 amending Directive 87/102/EEC for the approximation of laws, regulations and administrative provisions of the Member States concerning consumer credit, OJ L 101, 01/04/1998 p. 17-23.

     
  • 90. 
    OJ L 141, 11.06.1993, p. 27

     
  • 91. 
    European Commission, report on the operation of Directive 87/102/EEC, COM(95)117 final.

     
  • 92. 
    European Commission, report on the operation of Directive 87/102/EEC, COM(95)117 final.

     
  • 93. 
    Council Directive 90/88/EEC of 22 February 1990 amending Directive 87/102/EEC for the approximation of the laws, regulations and administrative provisions of the Member States concerning consumer credit, OJ L 061, 10/03/1990 p. 14-18, itself amended by Directive 98/7/EC of the European Parliament and of the Council of 16 February 1998 amending Directive 87/102/EEC for the approximation of laws, regulations and administrative provisions of the Member States concerning consumer credit, OJ L 101, 01/04/1998 p. 17-23.

     
  • 94. 
    Similar or comparable legislation in the MS - non-exhaustive list: UK, B and L; partial legislation in respect of certain effects or door-to-door selling situations: IRL and NL.

     
  • 95. 
    See Court of Justice. Judgment of 13 December 2001, Case C-481/99.

     
  • 96. 
    Similar or comparable legislation in the MS - non-exhaustive list: paragraph 1 and paragraph 2: most of the MS, for example, F and B: offer in advance, NL: prospectus; IRL and L: information relating to advertising, the activities pursued by the credit provider, UK: the duty to provide information and to specify this information for each credit agreement etc. paragraph 3: B

     
  • 97. 
    JO L 69, 10/03/2001 p. 0025 - 0029

     
  • 98. 
    European Commission, report on the operation of Directive 87/102/EEC, COM(95)117 final.

     
  • 99. 
    LEA, M.J., WELTER, R., DÜBEL, A., ' Study on the mortgage credit in the European Economic Area. Structure of the sector and application of the rules in the directives 87/102 and 90/88. Final report on tender n° XXIV/96/U6/21 SECKELMANN, R., ' Methods of calculation, in the European Economic Area, of the annual percentage rate of charge, Final Report 31 October 1995, Contract n° AO 2600/94/00101, REIFNER, U., Harmonisation of cost elements of the annual percentage rate of charge, APR, Hamburg 1998, Project n° AO-2600/97/000169. DOMONT-NAERT, F., et LACOSTE, A.-C., ' Etude sur le problème de l'usure dans certains états membres de l'espace économique européen, Louvain-la-Neuve 1997, Contrat n° AO-2600/96/000260 ; DOMONT-NAERT, F., et DEJEMEPPE, P, Etude sur le rôle et les activités des intermédiaires de crédit aux consommateurs, contrat n° AO-2600/95/000254, 1996, BALATE, E., et DEJEMEPPE, P., "Conséquences de l'inexécution des contrats de crédit à la consommation." Etude AO-2600/95/000270 Commission européenne, rapport final.

     
  • 100. 
    European Commission, report on the operation of Directive 90/88/EEC, COM(96) 79 final of 12.04.96.

     
  • 101. 
    Similar or comparable legislation in the MS - non-exhaustive list: the situation differs widely from one MS to another: NL and B: virtually similar legislation but extended to include positive files, D, A and I: positive files that go beyond the positive recording of data on credit and surety agreements with no consultation requirement; F and DK: only negative files with no consultation requirement. By way of contrast, UK: no central database, virtually unrestricted freedom to set up private decentralised databases with no common criteria or consultation requirement.

     
  • 102. 
    Similar or comparable legislation in MS - non-exhaustive list: NL, B and for guarantors F and S.

     
  • 103. 
    Council Directive 90/88/EEC of 22 February 1990 amending Directive 87/102/EEC for the approximation of the laws, regulations and administrative provisions of the Member States concerning consumer credit, OJ L 061, 10/03/1990 p. 14-18, itself amended by Directive 98/7/EC of the European Parliament and of the Council of 16 February 1998 amending Directive 87/102/EEC for the approximation of laws, regulations and administrative provisions of the Member States concerning consumer credit, OJ L 101, 01/04/1998 p. 17-23.

     
  • 104. 
    Almost all the MS have something similar. Similar or comparable legislation in the MS - non-exhaustive list: B: right of 'renonciation' during a period of seven working days, R: 'rétractation' period lasting seven days, IRL right to 'withdraw' for 10 calendar days, L: right 'à se départir' but only for credit agreements granted by a supplier and within two days. UK: 'cooling-off period' various arrangements, D and A: 'Widerrufsrecht'.

     
  • 105. 
    Similar or comparable legislation in the MS with regulations that in general terms exceed the directive by guaranteeing a fuller base: B, E, F, NL, A, S; MS with unique solutions or which include the insurance charges: B, DK, E, F, NL, A, S, UK.

     
  • 106. 
    LEA, M.J., WELTER, R., DÜBEL, A., ' Study on the mortgage credit in the European Economic Area. Structure of the sector and application of the rules in the directives 87/102 and 90/88. Final report on tender n° XXIV/96/U6/21 SECKELMANN, R., ' Methods of calculation, in the European Economic Area, of the annual percentage rate of charge, Final Report 31 October 1995, Contract n° AO 2600/94/00101, REIFNER, U., Harmonisation of cost elements of the annual percentage rate of charge, APR, Hamburg 1998, Project n° AO-2600/97/000169. DOMONT-NAERT, F., et LACOSTE, A.-C., ' Etude sur le problème de l'usure dans certains états membres de l'espace économique européen, Louvain-la-Neuve 1997, Contrat n° AO-2600/96/000260 ; DOMONT-NAERT, F., et DEJEMEPPE, P, Etude sur le rôle et les activités des intermédiaires de crédit aux consommateurs, contrat n° AO-2600/95/000254, 1996, BALATE, E., et DEJEMEPPE, P., "Conséquences de l'inexécution des contrats de crédit à la consommation." Etude AO-2600/95/000270 Commission européenne, rapport final.

     
  • 107. 
    Similar or comparable legislation in the MS - non-exhaustive list: (1) with restrictions regarding the calculation and/or the amount of the indemnity: IRL, NL, B, L, UK, (2) with ban: F

     
  • 108. 
    Similar or comparable legislation in the MS - non-exhaustive list: in the UK there is a system of 'pure' joint and several liability without any exclusive link but which has now a lower and an upper limit. Other MS such as F and D have developed 'independent' systems. The B, IRL, F and L have not kept a lower limit. NL has a lower limit..

     
  • 109. 
    Report on the operation of Directive 87/102/EEC for the approximation of the laws, regulations and administrative provisions of the Member States concerning consumer credit - COM (95) 117 final of 11.05.95 paragraphs 184 -188. Summary report of reactions and comments COM (97) 465 final of 24.09.97, No II.5.

     
  • 110. 
    Similar or comparable legislation in the MS - non-exhaustive list: B, IRL, NL, L, UK.

     
  • 111. 
    Council Directive 87/102/EEC of 22 December 1986 for the approximation of the laws, regulations and administrative provisions of the Member States concerning consumer credit.

     
  • 112. 
    Council Directive 87/102/EEC of 22 December 1986 for the approximation of the laws, regulations and administrative provisions of the Member States concerning consumer credit.

     
  • 113. 
    European Commission, report on the operation of Directive 90/88/EEC, COM(96) 79 final of 12.04.96.

     
  • 114. 
    Council Directive 87/102/EEC of 22 December 1986 for the approximation of the laws, regulations and administrative provisions of the Member States concerning consumer credit.

     
  • 115. 
    Council Directive 90/88/EEC of 22 February 1990 amending Directive 87/102/EEC for the approximation of the laws, regulations and administrative provisions of the Member States concerning consumer credit, OJ L 061, 10/03/1990 p. 14-18, itself amended by Directive 98/7/EC of the European Parliament and of the Council of 16 February 1998 amending Directive 87/102/EEC for the approximation of laws, regulations and administrative provisions of the Member States concerning consumer credit, OJ L 101, 01/04/1998 p. 17-23.

     
  • 116. 
    OJ C , p.

     
  • 117. 
    OJ C , , p. .

     
  • 118. 
    OJ C , , p. .

     
  • 119. 
    COM(95) 117 final.

     
  • 120. 
    OJ L 42, 12.2.1987, p.48. Directive most recently amended by Directive 98/7/EC (OJ L 101, 1.4.1998, p.17.

     
  • 121. 
    COM(97) 465 final.

     
  • 122. 
    COM(96) 79 final.

     
  • 123. 
    OJ L 61, 10.3.1990, p.14..

     
  • 124. 
    OJ L 69, 10.3.2001, p. 25.

     
  • 125. 
    OJ L 250, 19.9.1984, p. 17. Directive amended by Directive 97/55/EC of the European Parliament and of the Council (OJ L 290, 23.10.1997, p.18).

     
  • 126. 
    OJ L 372, 31.12.1985, p. 31.

     
  • 127. 
    OJ L 281, 23.11.1995, p.31.

     
  • 128. 
    OJ L 95, 21.4.1993, p.29.

     
  • 129. 
    OJ L
     
  • 130. 
    Council Directive 90/88/EEC of 22 February 1990 amending Directive 87/102/EEC for the approximation of the laws, regulations and administrative provisions of the Member States concerning consumer credit, OJ L 061, 10/03/1990 p. 14-18, itself amended by Directive 98/7/EC of the European Parliament and of the Council of 16 February 1998 amending Directive 87/102/EEC for the approximation of laws, regulations and administrative provisions of the Member States concerning consumer credit, OJ L 101, 01/04/1998 p. 17-23.

     
  • 131. 
    OJ L 141, 11.6.1993, p.27.

     
  • 132. 
    OJ L 141, 11.6.1993, p.27.

     
  • 133. 
    European Commission, report on the operation of Directive 87/102/EEC, COM(95)117 final.

     
  • 134. 
    Council Directive 87/102/EEC of 22 December 1986 for the approximation of the laws, regulations and administrative provisions of the Member States concerning consumer credit.

     
  • 135. 
    Council Directive 90/88/EEC of 22 February 1990 amending Directive 87/102/EEC for the approximation of the laws, regulations and administrative provisions of the Member States concerning consumer credit, OJ L 061, 10/03/1990 p. 14-18, itself amended by Directive 98/7/EC of the European Parliament and of the Council of 16 February 1998 amending Directive 87/102/EEC for the approximation of laws, regulations and administrative provisions of the Member States concerning consumer credit, OJ L 101, 01/04/1998 p. 17-23.

     
  • 136. 
    European Commission, report on the operation of Directive 90/88/EEC, COM(96) 79 final of 12.04.96.

     
  • 137. 
    OJ L 144, 4.6.1997, p.19.

     
  • 138. 
    OJ L 280, 29.10.1994, p.83.

     
  • 139. 
    European Commission, report on the operation of Directive 87/102/EEC, COM(95)117 final.

     
  • 140. 
    LEA, M.J., WELTER, R., DÜBEL, A., ' Study on the mortgage credit in the European Economic Area. Structure of the sector and application of the rules in the directives 87/102 and 90/88. Final report on tender n° XXIV/96/U6/21 SECKELMANN, R., ' Methods of calculation, in the European Economic Area, of the annual percentage rate of charge, Final Report 31 October 1995, Contract n° AO 2600/94/00101, REIFNER, U., Harmonisation of cost elements of the annual percentage rate of charge, APR, Hamburg 1998, Project n° AO-2600/97/000169. DOMONT-NAERT, F., et LACOSTE, A.-C., ' Etude sur le problème de l'usure dans certains états membres de l'espace économique européen, Louvain-la-Neuve 1997, Contrat n° AO-2600/96/000260 ; DOMONT-NAERT, F., et DEJEMEPPE, P, Etude sur le rôle et les activités des intermédiaires de crédit aux consommateurs, contrat n° AO-2600/95/000254, 1996, BALATE, E., et DEJEMEPPE, P., "Conséquences de l'inexécution des contrats de crédit à la consommation." Etude AO-2600/95/000270 Commission européenne, rapport final.

     
  • 141. 
    European Commission, report on the operation of Directive 87/102/EEC, COM(95)117 final.

     
  • 142. 
    Council Directive 87/102/EEC of 22 December 1986 for the approximation of the laws, regulations and administrative provisions of the Member States concerning consumer credit.

     
  • 143. 
    OJ L 126, 26.5.2000, p. 1.

     
  • 144. 
    European Commission, report on the operation of Directive 90/88/EEC, COM(96) 79 final of 12.04.96.

     
  • 145. 
    Council Directive 87/102/EEC of 22 December 1986 for the approximation of the laws, regulations and administrative provisions of the Member States concerning consumer credit.

     
  • 146. 
    Council Directive 90/88/EEC of 22 February 1990 amending Directive 87/102/EEC for the approximation of the laws, regulations and administrative provisions of the Member States concerning consumer credit, OJ L 061, 10/03/1990 p. 14-18, itself amended by Directive 98/7/EC of the European Parliament and of the Council of 16 February 1998 amending Directive 87/102/EEC for the approximation of laws, regulations and administrative provisions of the Member States concerning consumer credit, OJ L 101, 01/04/1998 p. 17-23.

     
  • 147. 
    For further information, see separate explanatory note.

     
  • 148. 
    For further information, see separate explanatory note.

     
  • 149. 
    For further information, see separate explanatory note.

     
  • 150. 
    Council Directive 87/102/EEC of 22 December 1986 for the approximation of the laws, regulations and administrative provisions of the Member States concerning consumer credit.

     
  • 151. 
    De Europese Commissie kent nummers toe aan officiële documenten van de Europese Unie. De Commissie maakt onderscheid in een aantal typen documenten door middel van het toekennen van verschillende nummerseries. Het onderscheid is gebaseerd op het soort document en/of de instelling van de Unie van wie het document afkomstig is.
     
  • 152. 
    De Raad van de Europese Unie kent aan wetgevingsdossiers een uniek toe. Dit nummer bestaat uit een vijfcijferig volgnummer gevolgd door een schuine streep met de laatste twee cijfers van het jaartal, bijvoorbeeld 12345/00 - een document met nummer 12345 uit het jaar 2000.
     
  • 153. 
    Het interinstitutionele nummer is een nummerreeks die binnen de Europese Unie toegekend wordt aan voorstellen voor regelgeving van de Europese Commissie.
    Binnen de Europese Unie worden nog een aantal andere nummerseries gebruikt. Iedere instelling heeft één of meerdere sets documenten met ieder een eigen nummering. Die reeksen komen niet overeen met elkaar of het interinstitutioneel nummer.
     
  • 154. 
    Deze databank van de Europese Unie biedt de mogelijkheid de actuele werkzaamheden (workflow) van de Europese instellingen (Europees Parlement, Raad, ESC, Comité van de Regio's, Europese Centrale Bank, Hof van Justitie enz.) te volgen. EURlex volgt alle voorstellen (zoals wetgevende en begrotingsdossiers) en mededelingen van de Commissie, vanaf het moment dat ze aan de Raad of het Europees Parlement worden voorgelegd.
     
  • 155. 
    Als dag van bekendmaking van een Europees besluit geldt de dag waarop het besluit in het Publicatieblad wordt bekendgemaakt, en daardoor in alle officiële talen van de Europese Unie bij het Publicatiebureau beschikbaar is.
     
  • 156. 
    This legally binding act of the European Union establishes a set of objectives which all member states of the European Union must fulfil. The member states are required to implement directives. The member states are free to choose the manner they see fit to fulfil the required objectives.