New EU rules for loans and credit to consumers
Official title (in Danish): Lov om ændring af lov om kreditaftaler, lov om markedsføring, lov om forbrugslånsvirksomheder og forskellige andre love (Gennemførelse af det reviderede forbrugerkreditdirektiv)
In short
Reading time: 1 min- What changes:
- The act implements the EU's revised directive on consumer credit.
- Overdraft facilities will be fully covered by the Credit Agreement Act.
- Creditors must provide consumers with more information before a credit agreement is entered into.
- A registration scheme for credit intermediaries will be introduced.
- Who: The rules apply to you as a consumer and to businesses that provide or intermediate credit.
- When: The Act will enter into force on 20 November 2026.
- Parts of the act apply to time-unlimited credit agreements entered into before the entry into force of the act.
Written by AI from verbatim quotes from the source and checked by code and AI. Dates, tables and the fact box are calculated by fixed rules. Unofficial translation. Always read the original.
Sources and original
Read the official text (in Danish) →
The case at the Danish Parliament (ft.dk)
Source: Retsinformation.dk
Translated from Danish · The Danish version and the original source apply.
Summary by the Danish Parliament (in Danish)
Lovforslaget har til formål at gennemføre Europa-Parlamentets og Rådets direktiv (EU) 2023/2225 af 18. oktober 2023 om forbrugerkreditaftaler og om ophævelse af direktiv 2008/48/EF (forbrugerkreditdirektivet) i dansk ret. Forbrugerkreditdirektivet ophæver og erstatter det tidligere direktiv på området (Europa-Parlamentets og Rådets direktiv 2008/48/EF af 23. april 2008 om forbrugerkreditaftaler og om ophævelse af Rådets direktiv 87/102/EØF). Forbrugerkreditdirektivet er, ligesom det tidligere direktiv, totalharmoniserende. Derfor kan der inden for direktivets anvendelsesområde som udgangspunkt ikke fastsættes nationale særregler. Dog er der på enkelte områder en række regulatoriske valgmuligheder. Det foreslås, at forbrugerkreditdirektivet med enkelte undtagelser gennemføres uden overimplementering. De bestemmelser, der er nødvendige for at gennemføre forbrugerkreditdirektivet i dansk ret, skal være vedtaget og offentliggjort senest den 20. november 2025 og træde i kraft den 20. november 2026. På baggrund af implementeringsfristen foreslås det, at 3. behandling af lovforslaget senest finder sted den 20. november 2025.
Source: Folketinget (ft.dk). Reproduced unchanged.
Timeline
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- Introduced · 8 October 2025Status in the Danish Parliament: Fremsat
- Passed · 20 November 2025Status in the Danish Parliament: 3.beh./Vedtaget
- Stadfæstet · 20 November 2025Status in the Danish Parliament: Stadfæstet
- Enters into force · 20 November 2026In 16 days