7 Amendments of Isabel BENJUMEA BENJUMEA related to 2021/0171(COD)
Amendment 134 #
Proposal for a directive
Article 2 – paragraph 2 – point j a (new)
Article 2 – paragraph 2 – point j a (new)
(ja) credit agreements for deferred debit products Low risk credit products are in scope of this Directive, but Articles 18, 30 and 31 do not apply to the provision of such products.
Amendment 165 #
Proposal for a directive
Article 3 – paragraph 1 – point 25 a (new)
Article 3 – paragraph 1 – point 25 a (new)
(25a) deferred debit’ is a payment instrument offering a deferred debit of not more than 40days, repaid in full in one single payment, free of interest and incurring no other costs for the consumer except those linked to membership ancillary benefits and foreign exchange or other fees related to the manner of accessing the deferred debit facility;
Amendment 166 #
Proposal for a directive
Article 3 – paragraph 1 – point 25 b (new)
Article 3 – paragraph 1 – point 25 b (new)
(25b) low risk credit products’ means products where no interest is charged, there are no significant fees directly linked to the provision of the credit and revenue from late payment or default makes up in each financial year less than 1% of the total revenue generated by the product for the provider.
Amendment 249 #
Proposal for a directive
Article 2 – paragraph 2 – point j a (new)
Article 2 – paragraph 2 – point j a (new)
(j a) credit agreements for deferred debit products Low risk credit products are in scope of this Directive, but Articles 18, 30 and 31 do not apply to the provision of such products.
Amendment 304 #
Proposal for a directive
Article 3 – paragraph 1 a (new)
Article 3 – paragraph 1 a (new)
‘deferred debit’ is a payment instrument offering a deferred debit of not more than 40 days, repaid in full in one single payment, free of interest and incurring no other costs for the consumer except those linked to membership ancillary benefits and foreign exchange or other fees related to the manner of accessing the deferred debit facility.”
Amendment 305 #
Proposal for a directive
Article 3 – paragraph 1 b (new)
Article 3 – paragraph 1 b (new)
‘low risk credit products’ means products where no interest is charged, there are no significant fees directly linked to the provision of the credit and revenue from late payment or default makes up in each financial year less than 1% of the total revenue generated by the product for the provider
Amendment 542 #
Proposal for a directive
Article 17 – paragraph 1
Article 17 – paragraph 1
Without prejudice to the creditor’s ability to make offers to consumers, Member States shall prohibiensure that any sale of credit to consumers, withou is carried out at their prior request and with their explicit agreement.