11 Amendments of Othmar KARAS related to 2021/0171(COD)
Amendment 127 #
Proposal for a directive
Article 2 – paragraph 2 – point c
Article 2 – paragraph 2 – point c
(c) credit agreements involving a total amount of credit of less than EUR 200 or more than EUR 100 000;
Amendment 133 #
Proposal for a directive
Article 2 – paragraph 2 – point j a (new)
Article 2 – paragraph 2 – point j a (new)
(ja) credit agreements where the credit is granted free of interest without any other charges and credit agreements under the terms of which the credit has to be repaid within three months and only insignificant charges are payable;
Amendment 138 #
Proposal for a directive
Article 2 – paragraph 2 – point j b (new)
Article 2 – paragraph 2 – point j b (new)
(jb) credit agreements in the form of an overdraft facility and where the credit has to be repaid within one month;
Amendment 157 #
Proposal for a directive
Article 3 – paragraph 1 – point 3
Article 3 – paragraph 1 – point 3
(3) ‘credit agreement’ means an agreement whereby a creditor grants or promises to grant to a consumer credit in the form of a deferred payment, loan or other similar financial accommodation, except for: (i) agreements for the provision on a continuing basis of services or for the supply of goods of the same kind, where the consumer pays for such services or goods for the duration of their provision by means of instalments; (ii) hiring or leasing agreements where an obligation to purchase the object of the agreement is not laid down either by the agreement itself or by any separate agreement; such an obligation shall be deemed to exist if it is so decided unilaterally by the creditor.
Amendment 163 #
Proposal for a directive
Article 3 – paragraph 1 – point 22
Article 3 – paragraph 1 – point 22
(22) ‘early repayment’ means the full or partial discharge of the consumer’s obligations under a credit agreement or crowdfunding credit services; before the date for the payment agreed in the credit agreement;
Amendment 191 #
Proposal for a directive
Article 9 – paragraph 1
Article 9 – paragraph 1
1. Member States shall ensure that clear and comprehensible general information about credit agreements or crowdfunding credit services is made available to consumers by creditors or, where applicable, by credit intermediaries or providers of crowdfunding credit services, at all times on paper or on another durable medium or in electronic form upon request of the consumer.
Amendment 201 #
Proposal for a directive
Article 10 – paragraph 2
Article 10 – paragraph 2
2. The pre-contractual information referred to in paragraph 1 shall be provided on paper or on another durable medium, or in electronic form upon request of the consumer, by means of the Standard European Consumer Credit Information form set out in Annex I. All the information provided in the form shall be equally prominent. The creditor shall be deemed to have fulfilled the information requirements in this paragraph and in Article 3, paragraphs (1) and (2) of Directive 2002/65/EC if he or she has supplied the Standard European Consumer Credit Information.
Amendment 367 #
Proposal for a directive
Article 26 – paragraph 7 a (new)
Article 26 – paragraph 7 a (new)
7a. The right of withdrawal shall expire at the latest one year and 14 days after the conclusion of the credit agreement or the contract for the provision of crowd-funding credit services.
Amendment 384 #
Proposal for a directive
Article 31 – paragraph 1 – introductory part
Article 31 – paragraph 1 – introductory part
1. Member States shallmay introduce caps on one or more of the following by taking due account of the guidelines referred to in paragraph 2a:
Amendment 394 #
Proposal for a directive
Article 31 – paragraph 1 – point a
Article 31 – paragraph 1 – point a
Amendment 403 #
Proposal for a directive
Article 31 – paragraph 2 a (new)
Article 31 – paragraph 2 a (new)
2a. For the purpose of the application of this article, EBA shall issue guidelines on common criteria for caps on the annual percentage rate of charge and the total cost of the credit to the consumer to ensure and foster supervisory convergence across the Union. Those guidelines shall be adopted in accordance with Article 16 of Regulation (EU) No 1093/2010.