Mortgage Credit Directive (MCD) | European Banking Authority

Mortgage Credit Directive (MCD): DIRECTIVE 2014/17/EU (MCD)
- Recital: Recital
- CHAPTER 1: SUBJECT MATTER, SCOPE, DEFINITIONS AND COMPETENT AUTHORITIES
- CHAPTER 2: FINANCIAL EDUCATION
  - Article 6: Financial education of consumers
- CHAPTER 3: CONDITIONS APPLICABLE TO CREDITORS, CREDIT INTERMEDIARIES AND APPOINTED REPRESENTATIVES
- CHAPTER 4: INFORMATION AND PRACTICES PRELIMINARY TO THE CONCLUSION OF THE CREDIT AGREEMENT
- CHAPTER 5: ANNUAL PERCENTAGE RATE OF CHARGE
  - Article 17: Calculation of the APRC
- CHAPTER 6: CREDITWORTHINESS ASSESSMENT
- CHAPTER 7: DATABASE ACCESS
  - Article 21: Database access
- CHAPTER 8: ADVISORY SERVICES
  - Article 22: Standards for advisory services
- CHAPTER 9: FOREIGN CURRENCY LOANS AND VARIABLE RATE LOANS
  - Article 23: Foreign currency loans
  - Article 24: Variable rate credits
- CHAPTER 10: SOUND EXECUTION OF CREDIT AGREEMENTS AND RELATED RIGHTS
- CHAPTER 11: REQUIREMENTS FOR ESTABLISHMENT AND SUPERVISION OF CREDIT INTERMEDIARIES AND APPOINTED REPRESENTATIVES
- CHAPTER 12: ADMISSION AND SUPERVISION OF NON-CREDIT INSTITUTIONS
  - Article 35: Admission and supervision of non-credit institutions
- CHAPTER 13: COOPERATION BETWEEN COMPETENT AUTHORITIES OF DIFFERENT MEMBER STATES
  - Article 36: Obligation to cooperate
  - Article 37: Settlement of disagreements between competent authorities of different Member States
- CHAPTER 14: FINAL PROVISIONS
- ANNEX I: CALCULATION OF THE ANNUAL PERCENTAGE RATE OF CHARGE (APRC)
- ANNEX II: EUROPEAN STANDARDISED INFORMATION SHEET (ESIS)
- ANNEX III: MINIMUM KNOWLEDGE AND COMPETENCE REQUIREMENTS