Member States must implement these provisions and adopt related laws and regulations by 25 November 2025.

The new directive expands its coverage to loans below EUR 200 and buy-now-pay letter products, introducing provisions to protect consumers.
These include measures against over-indebtedness and stricter credit advertising rules by lenders. The credit information, including the key elements of the credit must be presented in a clear and concise manner which might be verified by the customers even on digital devices.