Traduction de «réglementation du crédit au consommateur » (Français → Anglais) :

1. Calls for supervisory authorities to require financial institutions to provide consumers with personalised, complete and easily understandable information regarding the risks involved in foreign currency lending and the impact on instalments of a severe depreciation of the legal tender of the Member State in which a consumer is domiciled and of an increase in the foreign interest rate; considers that this information should be included in advertising concerning consumer credit agreements in foreign currency, in pre-contractual inf ...[+++]ormation and in consumer credit agreements;

7. Takes note of the concerns raised in some Member States about the way pre-contractual information is presented to consumers through the Standard European Consumer Credit Information (SECCI) form and which is of such technical nature that it affects consumers’ capacity to understand it effectively; considers that the efficiency of the SECCI form should be an important aspect in the assessment of the impact of the Directive carried out by the Commission;

12. Considers that effective, clear and comprehensible information, particularly in advertisements for financial products, is necessary and that financial institutions should provide sufficient information before contracts are concluded and, in particular, strictly apply the rules laid down in Directive 2004/39/EC of the European Parliament and of the Council of 21 April 2004 on markets in financial instruments and Directive 2008/48/EC of the European Parliament and of the Council of 23 April 2008 on credit agreements for consumers ; calls on the Commission to put forward, in a coherent manner specific legislative proposals for a harmonised ...[+++]system of consumer information and protection, in particular in the framework of mortgage credit (such as a harmonised, simple and comparable European standardised information sheet including common indications on the annual percentage rate charged, etc.);

12. Considers that effective, clear and comprehensible information, particularly in advertisements for financial products, is necessary and that financial institutions should provide sufficient information before contracts are concluded and, in particular, strictly apply the rules laid down in Directive 2004/39/EC of the European Parliament and of the Council of 21 April 2004 on markets in financial instruments (Mifid) and Directive 2008/48/EC of the European Parliament and of the Council of 23 April 2008 on credit agreements for consumers; calls on the Commission to put forward, in a coherent manner specific legislative proposals for a harmonised ...[+++]system of consumer information and protection, in particular in the framework of mortgage credit (such as a harmonised, simple and comparable European standardised information sheet including common indications on the annual percentage rate charged, etc.);

Certain provisions of this Directive should apply to natural and legal persons (credit intermediaries) who, in the course of their trade, business or profession, for a fee, present or offer credit agreements to consumers, assist consumers by undertaking preparatory work in respect of credit agreements or conclude credit agreements with consumers on behalf of the creditor.

EUROPA - EU law and publications - EUR-Lex - EUR-Lex - 32008L0048 - EN - Directive 2008/48/EC of the European Parliament and of the Council of 23 April 2008 on credit agreements for consumers and repealing Council Directive 87/102/EEC - DIRECTIVE - OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL // STANDARD EUROPEAN CONSUMER CREDIT INFORMATION // EUROPEAN CONSUMER CREDIT INFORMATION FOR