Assessment of implementation degree of Consumer Credit Directive in the EU, Croatia, Norway and Iceland

EPRD together with partners has started implementation of the project “Study on the Impact of the Legal Choices of the Member States and other Aspects of  Implementing the Directive 2008/48/EC on the Functioning of the Consumer Credit Market in the European Union” for the Directorate General for Health and Consumers (DG SANCO).

The objective of the study is to assess to which degree the legal choices adopted by the particular Member States on specific element of the Consumer Credit Directive (CCD) impact the fulfillment of the Directive’s principal objectives, namely fostering an internal credit market in the EU and providing a high level of consumer protection with regard to consumer credits.

The contract will study:

The details of the manner in which the particular Member States used the options foreseen in the Directive and their reasons and context;

The manner in which the national legislation implementing the CCD is enforced by the national authorities.

The project covers 27 EU countries as well as Croatia, Iceland and Norway, while EPRD will be directly responsible for literature review and conducting interviews in nine countries: Croatia, Slovenia, Lithuania, Latvia, Estonia, Sweden, Denmark, Iceland and Portugal.

DG for Health and Consumers (DG SANCO) is the European Commission’s department supervising inter alia consumer protection policy. The activity of DG SANCO concentrates on issues connected with consumer rights, public health protection, food safety, protection of the health and welfare of farm animals a as well as health of crops and forests.

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