7 Amendments of Catherine STIHLER related to 2011/0062(COD)
Amendment 154 #
Proposal for a directive
Article 4 – paragraph 2 a (new)
Article 4 – paragraph 2 a (new)
Amendment 244 #
Proposal for a directive
Article 15 – paragraph 1
Article 15 – paragraph 1
1. Member States shall ensure that consumers provide creditors and, where applicable, credit intermediaries with complete and correctrequest from consumers all necessary information on their financial situation and personal circumstances in the context of the credit application process. That information should be supported, when necessary, by documentary evidence from independently verifiable sources.
Amendment 245 #
Proposal for a directive
Article 15 – paragraph 2 – subparagraph 1
Article 15 – paragraph 2 – subparagraph 1
As regards the information to be provided by the consumer in order for the creditor to be able to conduct a thorough assessment of the consumer's creditworthiness and make a decision on whether or not to grant the creditrequested from the consumer under paragraph 1, Member States shall ensure that creditors, at the pre-contractual phase, clearly specify the information, including independently verifiable evidence where necessary, that the consumer needs to provide. Member States shall also ensure that creditors state the exact timing by which consumers are required to provide such information.
Amendment 246 #
Proposal for a directive
Article 15 – paragraph 2 – subparagraph 1 a (new)
Article 15 – paragraph 2 – subparagraph 1 a (new)
2a. Member States shall ensure that creditors and, where applicable, credit intermediaries undertake appropriate due diligence to verify that the consumer has provided necessary information as requested under paragraph 1. Member States shall ensure that subsequent to an offer of credit being made, the consumer may not be sanctioned by the creditor for failing to provide complete information where the credit provider or where applicable, credit intermediary failed to request such information from the consumer or failed to undertake appropriate due diligence to ensure such complete information had been provided.
Amendment 272 #
Proposal for a directive
Recital 44
Recital 44
(44) The efficient functioning of this Directive will need to be reviewed, as will progress on the establishment of an internal market with a high level of consumer protection for credit agreements relating to residential immovable property. The Commission should therefore review the Directive five years after the deadline for its transposition. The review should include, among other things, an analysis of the evolution of the market for non-credit institutions providing credit agreements relating to residential immovable property, and an impact assessment on the implications of early repayments and a possible cap on indemnity. An assessment on the need for further measures, including a passport for such non-credit institutions, an examination of the necessity to introduce rights and obligations with regard to the post- contractual stage of credit agreements, and an assessment of whether an extension of the scope to include lending to small companies is warranted.
Amendment 277 #
Proposal for a directive
Article 24 – paragraph 1 – subparagraph 2
Article 24 – paragraph 1 – subparagraph 2
Amendment 684 #
Proposal for a directive
Article 18 – paragraph 2 – subparagraph 2 a (new)
Article 18 – paragraph 2 – subparagraph 2 a (new)
Requests the European Commission to undertake an impact assessment on the structural implications of early repayments and a possible cap on indemnity on the EU mortgage market. Furthermore with the intention of ensuring that any reductions in indemnity does not cause further costs and less flexibility for the consumer in the long term.