Annexes to COM(2021)347 - Consumer credits - Main contents
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This page contains a limited version of this dossier in the EU Monitor.
| dossier | COM(2021)347 - Consumer credits. |
|---|---|
| document | COM(2021)347  |
| date | October 18, 2023 |
(4) Directive 2002/65/EC of the European Parliament and of the Council of 23 September 2002 concerning the distance marketing of consumer financial services and amending Council Directive 90/619/EEC and Directives 97/7/EC and 98/27/EC (OJ L 271, 9.10.2002, p. 16).
(5) Regulation (EU) 2015/751 of the European Parliament and of the Council of 29 April 2015 on interchange fees for card-based payment transactions (OJ L 123, 19.5.2015, p. 1).
(6) Directive 2014/17/EU of the European Parliament and of the Council of 4 February 2014 on credit agreements for consumers relating to residential immovable property and amending Directives 2008/48/EC and 2013/36/EU and Regulation (EU) No 1093/2010 (OJ L 60, 28.2.2014, p. 34).
(7) Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing Directive 95/46/EC (General Data Protection Regulation) (OJ L 119, 4.5.2016, p. 1).
(8) Directive 2005/29/EC of the European Parliament and of the Council of 11 May 2005 concerning unfair business-to-consumer commercial practices in the internal market and amending Council Directive 84/450/EEC, Directives 97/7/EC, 98/27/EC and 2002/65/EC of the European Parliament and of the Council and Regulation (EC) No 2006/2004 of the European Parliament and of the Council (‘Unfair Commercial Practices Directive’) (OJ L 149, 11.6.2005, p. 22).
(9) Council Directive 93/13/EEC of 5 April 1993 on unfair terms in consumer contracts (OJ L 95, 21.4.1993, p. 29).
(10) Directive (EU) 2019/882 of the European Parliament and of the Council of 17 April 2019 on the accessibility requirements for products and services (OJ L 151, 7.6.2019, p. 70).
(11) Directive 2011/83/EU of the European Parliament and of the Council of 25 October 2011 on consumer rights, amending Council Directive 93/13/EEC and Directive 1999/44/EC of the European Parliament and of the Council and repealing Council Directive 85/577/EEC and Directive 97/7/EC of the European Parliament and of the Council (OJ L 304, 22.11.2011, p. 64).
(12) Directive 2013/36/EU of the European Parliament and of the Council of 26 June 2013 on access to the activity of credit institutions and the prudential supervision of credit institutions, amending Directive 2002/87/EC and repealing Directives 2006/48/EC and 2006/49/EC (OJ L 176, 27.6.2013, p. 338).
(13) Judgment of the Court of Justice of 11 September 2019, Lexitor, C-383/18, ECLI:EU:C:2019:702.
(14) Regulation (EU) No 575/2013 of the European Parliament and of the Council of 26 June 2013 on prudential requirements for credit institutions and investment firms and amending Regulation (EU) No 648/2012 (OJ L 176, 27.6.2013, p. 1).
(15) Directive (EU) 2015/2366 of the European Parliament and of the Council of 25 November 2015 on payment services in the internal market, amending Directives 2002/65/EC, 2009/110/EC and 2013/36/EU and Regulation (EU) No 1093/2010, and repealing Directive 2007/64/EC (OJ L 337, 23.12.2015, p. 35).
(16) Directive 2009/110/EC of the European Parliament and of the Council of 16 September 2009 on the taking up, pursuit and prudential supervision of the business of electronic money institutions amending Directives 2005/60/EC and 2006/48/EC and repealing Directive 2000/46/EC (OJ L 267, 10.10.2009, p. 7).
(17) Commission Recommendation 2003/361/EC of 6 May 2003 concerning the definition of micro, small and medium-sized enterprises (OJ L 124, 20.5.2003, p. 36).
(18) Directive 2013/11/EU of the European Parliament and of the Council of 21 May 2013 on alternative dispute resolution for consumer disputes and amending Regulation (EC) No 2006/2004 and Directive 2009/22/EC (Directive on consumer ADR) (OJ L 165, 18.6.2013, p. 63).
(19) Regulation (EU) 2017/2394 of the European Parliament and of the Council of 12 December 2017 on cooperation between national authorities responsible for the enforcement of consumer protection laws and repealing Regulation (EC) No 2006/2004 (OJ L 345, 27.12.2017, p. 1).
(20) Regulation (EU) 2020/1503 of the European Parliament and of the Council of 7 October 2020 on European crowdfunding service providers for business, and amending Regulation (EU) 2017/1129 and Directive (EU) 2019/1937 (OJ L 347, 20.10.2020, p. 1).
(21) OJ L 123, 12.5.2016, p. 1.
(22) OJ C 369, 17.12.2011, p. 14.
(23) Regulation (EU) 2018/1725 of the European Parliament and of the Council of 23 October 2018 on the protection of natural persons with regard to the processing of personal data by the Union institutions, bodies, offices and agencies and on the free movement of such data, and repealing Regulation (EC) No 45/2001 and Decision No 1247/2002/EC (OJ L 295, 21.11.2018, p. 39).
(24) OJ C 403, 6.10.2021, p. 5.
(25) Directive 2014/65/EU of the European Parliament and of the Council of 15 May 2014 on markets in financial instruments and amending Directive 2002/92/EC and Directive 2011/61/EU (OJ L 173, 12.6.2014, p. 349).
(26) Directive (EU) 2015/1535 of the European Parliament and of the Council of 9 September 2015 laying down a procedure for the provision of information in the field of technical regulations and of rules on Information Society services (OJ L 241, 17.9.2015, p. 1).
(27) Directive (EU) 2021/2167 of the European Parliament and of the Council of 24 November 2021 on credit servicers and credit purchasers and amending Directives 2008/48/EC and 2014/17/EU (OJ L 438, 8.12.2021, p. 1).
(28) Regulation (EU) 2016/1011 of the European Parliament and of the Council of 8 June 2016 on indices used as benchmarks in financial instruments and financial contracts or to measure the performance of investment funds and amending Directives 2008/48/EC and 2014/17/EU and Regulation (EU) No 596/2014 (OJ L 171, 29.6.2016, p. 1).
(29) Regulation (EU) No 1093/2010 of the European Parliament and of the Council of 24 November 2010 establishing a European Supervisory Authority (European Banking Authority), amending Decision No 716/2009/EC and repealing Commission Decision 2009/78/EC (OJ L 331, 15.12.2010, p. 12).
ANNEX I
STANDARD EUROPEAN CONSUMER CREDIT INFORMATION (1)
Key information
Part I [Always on the first page of the form]:
| Creditor Where applicable Credit intermediary | [Identity] [Identity] | ||||||
| Total amount of credit This means the ceiling or the total sums made available under the credit agreement. | |||||||
| Duration of the credit agreement | |||||||
| The borrowing rate or, where applicable, different borrowing rates which apply to the credit agreement | [%
| ||||||
| Annual percentage rate of charge (APR) This is the total cost expressed as an annual percentage of the total amount of credit. The APR is there to help you compare different offers. | |||||||
| Total amount you will have to pay This means the amount of borrowed capital plus interest and possible costs related to your credit. | [Sum of total amount of credit and total cost of credit to the consumer] | ||||||
| Where applicable The credit is granted in the form of a deferred payment for specific goods or specific services or is linked to the supply of specific goods or the provision of specific services Name of good/service Cash price | |||||||
| Costs in the case of late payments | You will be charged [… (applicable interest rate and arrangements for its adjustment and, where applicable, default charges)] for late payments. |
Part II [If following elements cannot be displayed in a prominent way on one page, they shall be displayed in the first part of the form on the second page]:
| Instalments and, where appropriate, the order in which instalments will be allocated | You will have to pay the following: [The amount, number and frequency of payments to be made by the consumer] Interest and/or charges will be payable in the following manner: |
| Warning regarding the consequences of missing or late payments Missing or late payments could have severe consequences for you (e.g. forced sale) and make it more difficult for you to obtain credit in the future. | |
| Right of withdrawal You have the right to withdraw from the credit agreement within a period of 14 calendar days. | Yes/no |
| Early repayment You have the right to repay the credit early at any time fully or partially. Where applicable The creditor is entitled to compensation in the case of early repayment. | Yes |
| Creditor Geographical address Telephone number Email address Web address (*1) | |
| Where applicable Credit intermediary Geographical address Telephone number Email address Web address (*1) |
Additional information about the credit agreement
1. Description of the main features of the credit product
| The type of credit | |
| The conditions governing the drawdown This means how and when you will obtain the money. Where applicable Other drawdown mechanisms for the relevant type of credit agreement may result in higher annual percentage rates of charge | [Where the credit agreement provides different ways of drawdown with different charges or borrowing rates and the creditor uses the assumption set out in Part II, point (b), of Annex III, include an indication that other drawdown mechanisms for the relevant type of credit agreement may result in higher annual percentage rates of charge] |
| Where applicable Sureties required This is a description of the security to be provided by you in relation to the credit agreement. | [Kind of sureties] |
| Where applicable Repayments do not give rise to immediate amortisation of the capital. | |
| Where applicable The price was personalised on the basis of automated decision-making. |
2. Costs of the credit
| Where applicable The different borrowing rates that apply to the credit agreement | [%
| ||||||||||
| Representative example illustrating the annual percentage rate of charge (APR) and the total amount payable by the consumer | [% A representative example mentioning all the assumptions used for calculating the annual percentage rate of charge to be set out here] | ||||||||||
Is it compulsory, in order to obtain the credit or to obtain it on the terms and conditions marketed, to take out
If the costs of these services are not known by the creditor, they are not included in the APR. | Yes/no [if yes, specify the kind of insurance] Yes/no [if yes, specify the kind of ancillary service] | ||||||||||
| Related costs | |||||||||||
| Where applicable Charges for maintaining one or more accounts which are required for recording both payment transactions and drawdowns | |||||||||||
| Where applicable Amount of costs for using a specific means of payment (e.g. a credit card) | |||||||||||
| Where applicable Any other costs deriving from the credit agreement | |||||||||||
| Where applicable Conditions under which the abovementioned costs related to the credit agreement can be changed | |||||||||||
| Where applicable Obligation to pay notarial fees |
3. Other important legal aspects
| Where applicable The creditor is entitled to compensation in the case of early repayment | [Determination of the compensation (calculation method) in accordance with the provisions implementing Article 29 of Directive (EU) 2023/2225 of the European Parliament and of the Council (2)] |
| Consultation of a database The creditor must inform you immediately and without charge of the result of consulting a database, if a credit application is rejected on the basis of such a consultation. | |
| Right to a draft credit agreement You have the right, upon request, to obtain a copy of the draft credit agreement free of charge. This provision applies if the creditor is willing, at the time of your request, to proceed to the conclusion of the credit agreement with you. | |
| Where applicable The period of time during which the creditor is bound by the pre-contractual information | The information contained in this form is valid from […] until […]. |
| Concerning redress You have the right to access an out-of-court complaint and redress mechanism | [The out-of-court complaint and redress mechanism for the consumer and how to access it] |
| Warning regarding the legal and financial consequences of non-compliance Non-compliance with the commitments linked to the credit agreement other than late or missed payments could have severe consequences for you. | |
| Repayment schedule | [Repayment schedule containing all payments and repayments to be made by the consumer over the duration of the credit agreement, including the payments for any ancillary services] |
Where applicable
4. Additional information in the case of the distance marketing of financial services
| |||
| Where applicable Representative of the creditor in your Member State of residence Address Telephone number Email address Web address (*2) | [Identity] [Geographical address to be used by the consumer] | ||
| Where applicable Registration | [The trade register in which the creditor is entered and their registration number or an equivalent means of identification in that register] | ||
| Where applicable The supervisory authority | |||
| |||
| Where applicable Exercise of the right of withdrawal | [Practical instructions for exercising the right of withdrawal indicating, inter alia, the period for exercising the right, the address to which notification of exercise of the right of withdrawal should be sent and the consequences of not exercising the right of withdrawal] | ||
| Where applicable The law taken by the creditor as the basis for the establishment of relations with you before the conclusion of the credit agreement | |||
| Where applicable Clause stipulating the law applicable to the credit agreement and/or the competent court | [Relevant clause to be set out here] | ||
| Where applicable Language regime | Information and contractual terms will be supplied in [specific language]. With your consent, we intend to communicate in [specific language/languages] for the duration of the credit agreement. |
(1) Wherever ‘where applicable’ is indicated, the creditor must fill in the box if the information is relevant to the type of credit, or delete the information or the entire row where the information is not relevant for the type of credit concerned.
The explanations in italics should help the consumer to better understand the figures.
Indications between square brackets provide explanations for the creditor or the credit intermediary and must be replaced with the corresponding information.
(*1) This information is optional.
(2) Directive (EU) 2023/2225 of the European Parliament and of the Council of 18 October 2023 on credit agreements for consumers and repealing Directive 2008/48/EC (OJ L, 2023/2225, 30.10.2023, ELI: http://data.europa.eu/eli/dir/2023/2225/oj).
(*2) This information is optional for the creditor.
ANNEX II
EUROPEAN CONSUMER CREDIT INFORMATION (1)
Consumer credit offered by certain credit organisations (Article 2(6) of Directive (EU) 2023/2225 of the European Parliament and of the Council (2) )
Debt conversion (Article 2(7) of Directive (EU) 2023/2225)
Key information
Part I [Always on the first page of the form]:
| Creditor Where applicable Credit intermediary | [Identity] [Identity] | ||||||
| The total amount of credit This means the ceiling or the total sums made available under the credit agreement. | |||||||
| The duration of the credit agreement | |||||||
| The borrowing rate or, where applicable, different borrowing rates which apply to the credit agreement | [%
| ||||||
| Annual percentage rate of charge (APR) This is the total cost expressed as an annual percentage of the total amount of credit. The APR is there to help you compare different offers. | |||||||
| The total amount you will have to pay This means the amount of borrowed capital plus interest and possible costs related to your credit. | [Sum of total amount of credit and total cost of credit to the consumer] | ||||||
| Where applicable The credit is granted in the form of a deferred payment for specific goods or specific services or is linked to the supply of specific goods or the provision of specific services Name of good/service Cash price | |||||||
| Costs in the case of late payments | You will be charged [… (applicable interest rate and arrangements for its adjustment and, where applicable, default charges)] for late payments. |
Part II [If the following elements cannot be displayed in a prominent way on one page, they shall be displayed in the first part of the form on the second page]:
| Instalments and, where appropriate, the order in which instalments will be allocated | You will have to pay the following: [The amount, number and frequency of payments to be made by the consumer] Interest and/or charges will be payable in the following manner: |
| Warning regarding the consequences of missing or late payments Missing or late payments could have severe consequences for you (e.g. forced sale) and make it more difficult for you to obtain credit in the future. | |
| Right of withdrawal | Yes/no |
| Early repayment You have the right to repay the credit early at any time fully or partially. Where applicable The creditor is entitled to compensation in the case of early repayment. | |
| Creditor Geographical address Telephone number Email address Web address (*1) | |
| Where applicable Credit intermediary Geographical address Telephone number Email address Web address (*1) |
Additional information about the credit agreement
1. Description of the main features of the credit product
| The type of credit | |
| Where applicable Indication that the consumer may be requested to repay the amount of the credit in full at any time | |
| Where applicable The price was personalised on the basis of automated decision-making. |
2. Costs of the credit
| Where applicable The different borrowing rates that apply to the credit agreement | [%
| ||||||||
| Representative example illustrating the annual percentage rate of charge (APR) and the total amount payable by the consumer | [% A representative example mentioning all the assumptions used for calculating the annual percentage rate of charge to be set out here] | ||||||||
| Where applicable Costs Where applicable The conditions under which those costs may be changed | [The costs applicable from the time the credit agreement is concluded] |
3. Other important legal aspects
| Termination of the credit agreement | [The conditions and procedure for terminating the credit agreement] |
| Where applicable The creditor is entitled to compensation in the case of early repayment | [Determination of the compensation (calculation method) in accordance with the provisions implementing Article 29 of Directive (EU) 2023/2225] |
| Consultation of a database The creditor must inform you immediately and without charge of the result of consulting a database, if a credit application is rejected on the basis of such a consultation. | |
| Where applicable The period of time during which the creditor is bound by the pre-contractual information | The information contained in this form is valid from […] until […]. |
| Concerning redress You have the right to access an out-of-court complaint and redress mechanism. | [The out-of-court complaint and redress mechanism for the consumer and how to access it] |
| Warning regarding the legal and financial consequences of non-compliance Non-compliance with the commitments linked to the credit agreement other than late or missed payments could have severe consequences for you. | |
| Repayment schedule | [Repayment schedule containing all payments and repayments to be made by the consumer over the duration of the contract, including those payments for any ancillary services] |
Where applicable
4. Additional information in the case of the distance marketing of financial services
| |||
| Where applicable Representative of the creditor in your Member State of residence Address Telephone number Email address Web address (*2) | [Identity] [Geographical address to be used by the consumer] | ||
| Where applicable Registration | [The trade register in which the creditor is entered and their registration number or an equivalent means of identification in that register] | ||
| Where applicable The supervisory authority | |||
| |||
| Where applicable Exercise of the right of withdrawal | [Practical instructions for exercising the right of withdrawal indicating, inter alia, the withdrawal period, the address to which notification of exercise of the right of withdrawal should be sent and the consequences of not exercising the right of withdrawal] | ||
| Where applicable The law taken by the creditor as a basis for the establishment of relations with you before the conclusion of the credit agreement | |||
| Where applicable Clause stipulating the law applicable to the credit agreement and/or the competent court | [Relevant clause to be set out here] | ||
| Where applicable Language regime | Information and contractual terms will be supplied in [specific language]. With your consent, we intend to communicate in [specific language/languages] for the duration of the credit agreement. |
(1) Wherever ‘where applicable’ is indicated, the creditor must fill in the box if the information is relevant to the type of credit, or delete the information or the entire row where the information is not relevant for the type of credit concerned.
The explanations in italics should help the consumer to better understand the figures.
Indications between square brackets provide explanations for the creditor or the credit intermediary and must be replaced with the corresponding information.
(2) Directive (EU) 2023/2225 of the European Parliament and of the Council of 18 October 2023 on credit agreements for consumers and repealing Directive 2008/48/EC (OJ L, 2023/2225, 30.10.2023, ELI: http://data.europa.eu/eli/dir/2023/2225/oj).
(*1) This information is optional.
(*2) This information is optional for the creditor.
ANNEX III
I. The basic equation expressing the equivalence of drawdowns on the one hand and repayments and charges on the other.
The basic equation, which establishes the annual percentage rate of charge (APR), equates, on an annual basis, the total present value of drawdowns on the one hand and the total present value of repayments and payments of charges on the other hand, i.e.:
where:
| – X | is the APR, |
| – m | is the number of the last drawdown, |
| – k | is the number of a drawdown, thus 1 ≤ k ≤ m, |
| – Ck | is the amount of drawdown k, |
| – tk | is the interval, expressed in years and fractions of a year, between the date of the first drawdown and the date of each subsequent drawdown, thus t1 = 0, |
| – m’ | is the number of the last repayment or payment of charges, |
| – l | is the number of a repayment or payment of charges, |
| – Dl | is the amount of a repayment or payment of charges, |
| – sl | is the interval, expressed in years and fractions of a year, between the date of the first drawdown and the date of each repayment or payment of charges. |
Remarks
| (a) | The amounts paid by both parties at different times shall not necessarily be equal and shall not necessarily be paid at equal intervals. |
| (b) | The starting date shall be that of the first drawdown. |
| (c) | Intervals between dates used in the calculations shall be expressed in years or in fractions of a year. A year is presumed to have 365 days (or 366 days for leap years), 52 weeks or 12 equal months. A month is presumed to have 30,41666 days (i.e. 365/12) regardless of whether or not it is a leap year. Where intervals between dates used in the calculations cannot be expressed as a whole number of weeks, months or years, the intervals shall be expressed as a whole number of one of those periods in combination with a number of days. When using days:
|
| (d) | The result of the calculation shall be expressed with an accuracy of at least one decimal place. If the figure at the following decimal place is greater than or equal to 5, the figure at that particular decimal place shall be increased by one. |
| (e) | The equation can be rewritten using a single sum and the concept of flows (Ak), which can be positive or negative, in other words either paid or received during periods 1 to n, expressed in years, i.e.: , where S is the present balance of flows. If the aim is to maintain the equivalence of flows, the value of S will be zero. |
II. The additional assumptions for calculating the APR shall be as follows.
| (a) | Where a credit agreement gives the consumer freedom of drawdown, the total amount of credit shall be deemed to be drawn down immediately and in full. |
| (b) | Where a credit agreement gives the consumer freedom of drawdown in general but imposes, amongst the different ways of drawing down, a limitation with regard to the amount of credit and period of time, the amount of credit shall be deemed to be drawn down on the earliest date fixed in the credit agreement and in accordance with those drawdown limits. |
| (c) | Where a credit agreement provides different ways of drawing down with different charges or borrowing rates, the total amount of credit shall be deemed to be drawn down at the highest charge and borrowing rate applied to the most common drawdown mechanism for that type of credit agreement. |
| (d) | In the case of an overdraft facility, the total amount of credit shall be deemed to be drawn down in full and for the whole duration of the credit agreement. If the duration of the overdraft facility is not known, the APR shall be calculated on the assumption that the duration of the credit is three months. |
| (e) | In the case of an open-end credit agreement, other than an overdraft facility, it shall be assumed that:
|
| (f) | In the case of credit agreements other than overdrafts and open-end credit agreements as referred to in the assumptions set out in points (d) and (e):
|
| (g) | Where the date or amount of a payment to be made by the consumer cannot be ascertained on the basis of the credit agreement or the assumptions set out in point (d), (e) or (f), it shall be assumed that the payment is made in accordance with the dates and conditions required by the creditor and, when those dates and conditions are unknown:
|
| (h) | Where the ceiling applicable to the credit has not yet been agreed, it is assumed to be EUR 1 500. |
| (i) | Where different borrowing rates and charges are offered for a limited period or amount, the borrowing rate and the charges shall be deemed to be the highest rate for the whole duration of the credit agreement. |
| (j) | For credit agreements for consumers for which a fixed borrowing rate is agreed for the initial period, at the end of which a new borrowing rate is determined and subsequently periodically adjusted according to an agreed indicator, the calculation of the APR shall be based on the assumption that, at the end of the fixed borrowing rate period, the borrowing rate is the same as at the time of calculating the APR, based on the value of the agreed indicator at that time. |
ANNEX IV
Correlation table
| Directive 2008/48/EC | This Directive |
| Article 1 | Article 1 |
| Article 2(1) | Article 2(1) |
| – | |
| Article 2(2), points (a), (b) and (c) | Article 2(2), points (a), (b) and (c) |
| Article 2(2), point (d) | Article 2(2), point (g) |
| Article 2(2), points (e) and (f) | – |
| Article 2(2), points (g), (h), (i), (j), (k) and (l) | Article 2(2), points (d), (e), (f), (i), (j) and (k) |
| Article 2(2a) | Article 2(3) |
| Article 2(3) | – |
| Article 2(4), (5) and (6) | Article 2(4), (6) and (7) |
| Article 3, points (a), (b) and (c) | Article 3, points 1, 2 and 3 |
| – | Article 3, point 4 |
| Article 3, points (d) and (e) | Article 3, points 18 and 19 |
| Article 3, point (f) | Article 3, point 12 |
| Article 3, points (g), (h), (i), (j), (k), (l) and (m) | Article 3, points 5, 6, 7, 8, 9, 10 and 11 |
| Article 3, point (n) | Article 3, point 20 |
| – | Article 3, points 13, 14, 15, 16, 17, 18, 21 and 22 |
| – | Article 5 |
| – | Article 6 |
| – | Article 7 |
| Article 4 | Article 8 |
| – | Article 9 |
| Article 5(1) | Article 10(1), (3), (5) and (6) |
| Article 5(2) | Article 10(7) |
| Article 5(4) | Article 10(8) |
| Article 5(5) | Article 10(9) |
| Article 5(6) | Article 12(1), points (a), (b) and (c), and Article 12(2) |
| Article 6(1) and (3) | Article 11(1), (2) and (4) |
| Article 6(2) | – |
| Article 6(4) | Article 11(6) |
| Article 6(5) | – |
| Article 6(6) | Article 11(7) |
| Article 6(7) | – |
| Article 7 | Article 10(10) and Article 11(8) |
| – | Article 13 |
| Article 8 | Article 18 |
| – | Article 14 |
| – | Article 15 |
| – | Article 16 |
| – | Article 17 |
| Article 9 | Article 19 |
| Article 10(1) | Article 20 |
| Article 10(2), 10(3) and 10(4) | Article 21 |
| Article 10(5) | – |
| Article 11a | Article 22 |
| Article 11 | Article 23 |
| Article 12 | Article 24 |
| Article 13 | Article 28 |
| Article 14 | Article 26 |
| Article 15 | Article 27 |
| Article 16 | Article 29 |
| Article 17 | Article 39 |
| Article 18 | Article 25 |
| Article 19 | Article 30 |
| – | Article 31 |
| – | Article 32 |
| – | Article 33 |
| – | Article 34 |
| Article 16a | Article 35 |
| – | Article 36 |
| Article 20 | Article 37 |
| Article 21 | Article 38 |
| – | Article 41 |
| Article 22 | Articles 42 and 43 |
| Article 23 | Article 44 |
| Article 24 | Article 40 |
| Article 24a | Article 45 |
| Article 26 | Article 42(2) |
| Article 27(1) | Article 48 |
| Article 27(2) | Article 46 |
| Article 28 | Article 4 |
| Article 29 | Article 47 |
| Article 30 | Article 47 |
| Article 31 | Article 49 |
| Article 32 | Article 50 |
| Annex I | Annex III |
| Annex II | Annex I |
| Annex III | Annex II |
| – | Annex IV |
ELI: http://data.europa.eu/eli/dir/2023/2225/oj
ISSN 1977-0677 (electronic edition)