COM(2011)142 - Credit agreements relating to residential property

Please note

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

This Directive115 is drafted by the Directorate-General Internal Market and Services (MARKT)116 en the Directorate-General Financial Stability, financial services and capital markets union (FISMA)117 of the European Commission and submitted to the Council of the European Union on March 31, 2011 and for codecision118 to the European Parliament.

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 credit agreements relating to residential property
 
Legal instrument Directive
Decision making procedure ordinary legislative procedure (COD)
reference by COM-number119 COM(2011)142 EN
Additional COM-numbers SEC(2011)355; SEC(2011)356; SEC(2011)357
procedure number121 2011/0062(COD)
CELEX number122 52011PC0142

2.

Key dates

Document 31-03-2011
Online publication 02-04-2011
Decision 04-02-2014; Richtlijn 2014/17
Publication in Official Journal123 28-02-2014; OJ L 60 p. 34-85

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 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

The EU Monitor enables its users to keep track of the European process of lawmaking, focusing on the relevant dossiers. It automatically signals developments in your chosen topics of interest. Apologies to unregistered users, we can no longer add new users.This service will discontinue in the near future.

  • 1. 
    Creditors are defined as credit institutions and non-credit institutions.

     
  • 2. 
    COM(2007) 807, 18.12.2007.

     
  • 3. 
    OJ L 376, 27.12.2006, p. 21.

     
  • 4. 
    OJ L 149, 11.6.2005, p. 22.

     
  • 5. 
    OJ L 95, 21.4.1993, p. 29.

     
  • 6. 
    European Agreement on a voluntary Code of Conduct on pre-contractual information for home loans , 5.3.2001.

     
  • 7. 
    OJ L 69, 10.3.2001, p. 25.

     
  • 8. 
    OJ L 133, 22.5.2008, p. 66.

     
  • 9. 
    OJ L 177, 30.6.2006, p. 1.

     
  • 10. 
    Directive 2008/48/EC on credit agreements for consumers, 23.4.2008.

     
  • 11. 
    COM(2007) 807, 18.12.2007.

     
  • 12. 
    OJ L 9, 15.1.2003, p. 3.

     
  • 13. 
    OJ C XX, XX, p. xx.

     
  • 14. 
    OJ C XX, XX, p. xx.

     
  • 15. 
    OJ C XX, XX, p. xx.

     
  • 16. 
    OJ C XX, XX, p. xx.

     
  • 17. 
    OJ C XX, XX, p. xx.

     
  • 18. 
    OJ C XX, XX, p. xx.

     
  • 19. 
    OJ C XX, XX, p. xx.

     
  • 20. 
    COM(2007) 807, 18.12.2007.

     
  • 21. 
    OJ L 124, 20.5.2003, p. 36.

     
  • 22. 
    OJ L 133, 22.5.2008, p. 66.

     
  • 23. 
    OJ L 271, 9.10.2002, p. 16.

     
  • 24. 
    OJ L 372, 31.12.1985, p. 31.

     
  • 25. 
    OJ L 9, 15.1.2003, p. 3.

     
  • 26. 
    OJ L 145, 30.4.2004, p. 1.

     
  • 27. 
    OJ L 69, 10.3.2001, p. 25.

     
  • 28. 
    OJ L 281, 23.11.1995, p. 31.

     
  • 29. 
    OJ L 177, 30.6.2006, p. 1.

     
  • 30. 
    E.g. foreign currency lending, self-certified mortgages.

     
  • 31. 
    OJ L 331, 15.12.2010, p. 12.

     
  • 32. 
    OJ C 321, 31.12.2003, p. 1.

     
  • 33. 
    OJ L 193, 18.7.1993, p. 1.

     
  • 34. 
    Creditors are defined as credit institutions and non-credit institutions.

     
  • 35. 
    E.g. foreign currency lending, self-certified mortgages.

     
  • 36. 
    E.g. foreign currency lending, self-certified mortgages.

     
  • 37. 
    OJ L 149, 11.6.2005, p. 22.

     
  • 38. 
    COM(2007) 807, 18.12.2007.

     
  • 39. 
    E.g. foreign currency lending, self-certified mortgages.

     
  • 40. 
    COM(2007) 807, 18.12.2007.

     
  • 41. 
    Driving European Recovery, COM(2009) 114, 4.3.2009.

     
  • 42. 
    Hypostat 2008: A review of
     
  • 43. 
    Driving European Recovery, COM(2009) 114, 4.3.2009.

     
  • 44. 
    Driving European Recovery, COM(2009) 114, 4.3.2009.

     
  • 45. 
    COM(2007) 807, 18.12.2007.

     
  • 46. 
    COM(2007) 807, 18.12.2007.

     
  • 47. 
    Hypostat 2008: A review of
     
  • 48. 
    E.g. foreign currency lending, self-certified mortgages.

     
  • 49. 
    Driving European Recovery, COM(2009) 114, 4.3.2009.

     
  • 50. 
    Driving European Recovery, COM(2009) 114, 4.3.2009.

     
  • 51. 
    COM(2007) 807, 18.12.2007.

     
  • 52. 
    COM(2007) 807, 18.12.2007.

     
  • 53. 
    Hypostat 2008: A review of
     
  • 54. 
    E.g. foreign currency lending, self-certified mortgages.

     
  • 55. 
    Creditors are defined as credit institutions and non-credit institutions.

     
  • 56. 
    E.g. foreign currency lending, self-certified mortgages.

     
  • 57. 
    COM(2007) 807, 18.12.2007.

     
  • 58. 
    Creditors are defined as credit institutions and non-credit institutions.

     
  • 59. 
    COM(2007) 807, 18.12.2007.

     
  • 60. 
    OJ L 376, 27.12.2006, p. 21.

     
  • 61. 
    OJ L 149, 11.6.2005, p. 22.

     
  • 62. 
    OJ L 95, 21.4.1993, p. 29.

     
  • 63. 
    European Agreement on a voluntary Code of Conduct on pre-contractual information for home loans , 5.3.2001.

     
  • 64. 
    OJ L 69, 10.3.2001, p. 25.

     
  • 65. 
    OJ L 133, 22.5.2008, p. 66.

     
  • 66. 
    OJ L 177, 30.6.2006, p. 1.

     
  • 67. 
    Directive 2008/48/EC on credit agreements for consumers, 23.4.2008.

     
  • 68. 
    COM(2007) 807, 18.12.2007.

     
  • 69. 
    OJ L 9, 15.1.2003, p. 3.

     
  • 70. 
    OJ C XX, XX, p. xx.

     
  • 71. 
    OJ C XX, XX, p. xx.

     
  • 72. 
    OJ C XX, XX, p. xx.

     
  • 73. 
    OJ C XX, XX, p. xx.

     
  • 74. 
    OJ C XX, XX, p. xx.

     
  • 75. 
    OJ C XX, XX, p. xx.

     
  • 76. 
    OJ C XX, XX, p. xx.

     
  • 77. 
    COM(2007) 807, 18.12.2007.

     
  • 78. 
    OJ L 124, 20.5.2003, p. 36.

     
  • 79. 
    OJ L 133, 22.5.2008, p. 66.

     
  • 80. 
    OJ L 271, 9.10.2002, p. 16.

     
  • 81. 
    OJ L 372, 31.12.1985, p. 31.

     
  • 82. 
    OJ L 9, 15.1.2003, p. 3.

     
  • 83. 
    OJ L 145, 30.4.2004, p. 1.

     
  • 84. 
    OJ L 69, 10.3.2001, p. 25.

     
  • 85. 
    OJ L 281, 23.11.1995, p. 31.

     
  • 86. 
    OJ L 177, 30.6.2006, p. 1.

     
  • 87. 
    E.g. foreign currency lending, self-certified mortgages.

     
  • 88. 
    OJ L 331, 15.12.2010, p. 12.

     
  • 89. 
    OJ C 321, 31.12.2003, p. 1.

     
  • 90. 
    OJ L 193, 18.7.1993, p. 1.

     
  • 91. 
    Creditors are defined as credit institutions and non-credit institutions.

     
  • 92. 
    E.g. foreign currency lending, self-certified mortgages.

     
  • 93. 
    E.g. foreign currency lending, self-certified mortgages.

     
  • 94. 
    OJ L 149, 11.6.2005, p.
     
  • 95. 
    COM(2007) 807, 18.12.2007.

     
  • 96. 
    E.g. foreign currency lending, self-certified mortgages.

     
  • 97. 
    COM(2007) 807, 18.12.2007.

     
  • 98. 
    Driving European Recovery, COM(2009) 114, 4.3.2009.

     
  • 99. 
    Hypostat 2008: A review of
     
  • 100. 
    Driving European Recovery, COM(2009) 114, 4.3.2009.

     
  • 101. 
    Driving European Recovery, COM(2009) 114, 4.3.2009.

     
  • 102. 
    COM(2007) 807, 18.12.2007.

     
  • 103. 
    COM(2007) 807, 18.12.2007.

     
  • 104. 
    Hypostat 2008: A review of
     
  • 105. 
    E.g. foreign currency lending, self-certified mortgages.

     
  • 106. 
    Driving European Recovery, COM(2009) 114, 4.3.2009.

     
  • 107. 
    Driving European Recovery, COM(2009) 114, 4.3.2009.

     
  • 108. 
    COM(2007) 807, 18.12.2007.

     
  • 109. 
    COM(2007) 807, 18.12.2007.

     
  • 110. 
    Hypostat 2008: A review of
     
  • 111. 
    E.g. foreign currency lending, self-certified mortgages.

     
  • 112. 
    Creditors are defined as credit institutions and non-credit institutions.

     
  • 113. 
    E.g. foreign currency lending, self-certified mortgages.

     
  • 114. 
    COM(2007) 807, 18.12.2007.

     
  • 115. 
    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.
     
  • 116. 
    This Directorate-General was dissolved and its components integrated into other DG's on November 1st 2014. A large section of the DG was refurbished and integrated into the new Directorate-General for Financial Services. Another fairly large section of DG Internal Market was integrated into DG Industry and Enterprise. Other sections were transferred to DG Justice and DG CONNECT.
     
  • 117. 
    The main task of this Directorate-General is to coordinate the policies of the European Commission regarding stability on the financial markets. The Directorate-General has to ensure that the European Commission remains having an active role in the supervision of the financial markets. The banking sector is an important aspect in this.
     
  • 118. 
    This procedure is the standard decision-making procedure used in the European Union, unless the treaties specifically state one of the special legislative procedures is to be applied to a particular subject. Before the Treaty of Lisbon came into force late 2009 it was referred to as the co-decision procedure. The essential characteristic of this procedure is that both the Council of Ministers as well as the European Parliament have a deciding vote in the legislative process, and both institutions may amend a proposal.
     
  • 119. 
    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.
     
  • 120. 
    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.
     
  • 121. 
    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.
     
  • 122. 
    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.
     
  • 123. 
    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.