Council Directive 87/102/EEC of 22 December 1986 for the approximation of the laws, regulations and administrative provisions of the Member States concerning consumer credit
- No longer in force
- CELEX number: 31987L0102
- Official Journal: JOL_1987_042_R_0048_028
- Form: Directive
- Procedure number: 1979/1001(CNS), 1979/1001/CNS
- Languages:
- bg
- cs
- da
- de
- el
- en
- et
- fi
- fr
- hu
- it
- lv
- lt
- mt
- nl
- pl
- pt
- ro
- sk
- sl
- es
- sv
Dates
Date of document: - December 22, 1986
- February 12, 1987
- January 12, 1987
- Entry into force - Date notif.
- January 1, 1990
- See Art 16
- June 10, 2010
- Repealed by 32008L0048
Modified by
Corrected by:
- October 11, 1988 - 31987L0102R(01)
Modified by:
- Directive 98/7/EC of the European Parliament and of the Council of 16 February 1998 amending Directive 87/102/EEC for the approximation of the laws, regulations and administrative provisions of the Member States concerning consumer credit - detail
- Council Directive 90/88/EEC of 22 February 1990 amending Directive 87/102/EEC for the approximation of the laws, regulations and administrative provisions of the Member States concerning consumer credit - detail
Modifies
Affected by case
- Judgment of the Court (First Chamber) of 4 October 2007. Max Rampion and Marie-Jeanne Godard, née Rampion v Franfinance SA and K par K SAS. Reference for a preliminary ruling: Tribunal d'instance de Saintes - France. Directive 87/102/EEC - Consumer credit - Right of the consumer to pursue remedies against the grantor of credit for non-performance or performance not in accordance with the contract relating to the goods or services financed by the credit - Conditions - Indication in the offer of credit of the goods or service being financed - Credit facility enabling the credit granted to be used on a number of occasions - Possibility for the national court to raise of its own motion the right of the consumer to pursue remedies against the grantor of credit. Case C-429/05.
- A11P2
- A14
- A11
- Judgment of the Court (Sixth Chamber) of 9 July 2015. Maria Bucura v SC Bancpost SA. Request for a preliminary ruling from the Judecătoria Câmpulung. Reference for a preliminary ruling — Consumer protection — Directive 87/102/EEC — Article 1(2)(a) — Consumer credit — Concept of ‘consumer’ — Directive 93/13/EEC — Articles 2(b), 3 to 5 and 6(1) — Unfair terms — Examination by the national court of its own motion — Terms drafted ‘in plain, intelligible language’ — Information which the creditor must provide. Case C-348/14.
- A01P2LA
- A04
- Judgment of the Court (Fifth Chamber) of 4 March 2004. Cofinoga Mérignac SA v Sylvain Sachithanathan. Reference for a preliminary ruling: Tribunal d'instance de Vienne - France. Directives 87/102/EEC and 90/88/EEC - Consumer credit - Consumer information - Annual percentage rate of charge - Variable interest rate - Renewal of an agreement. Case C-264/02.
- Judgment of the Court (Sixth Chamber) of 7 March 1996. El Corte Inglés SA v Cristina Blázquez Rivero. Reference for a preliminary ruling: Juzgado de Primera Instancia n. 10 de Sevilla - Spain. Direct effect of unimplemented directive - Council Directive 87/102/EEC concerning consumer credit. Case C-192/94.
- Judgment of the Court (First Chamber) of 23 April 2009. Luigi Scarpelli v NEOS Banca SpA. Reference for a preliminary ruling: Tribunale di Bergamo - Italy. Directive 87/102/EEC - Consumer protection - Consumer credit - Breach of contract of sale. Case C-509/07.
- A11P2
- Judgment of the Court (Fifth Chamber) of 23 March 2000. Berliner Kindl Brauerei AG v Andreas Siepert. Reference for a preliminary ruling: Landgericht Potsdam - Germany. Approximation of laws - Consumer credit - Directive 87/102 - Scope - Contracts of guarantee - Not covered. Case C-208/98.
- Order of the Court (Eighth Chamber) of 16 November 2010. Pohotovosť s.r.o. v Iveta Korčkovská. Reference for a preliminary ruling: Krajský súd v Prešove - Slovakia. Preliminary ruling – Consumer protection – Directive 93/13/EEC – Unfair terms – Directive 2008/48/EC – Directive 87/102/EEC – Consumer credit contracts – Annual percentage rate of charge – Arbitration proceedings – Arbitration award – Power of the national court to examine of its own motion whether certain terms are unfair. Case C-76/10.
- A04
- Order of the Court (Sixth Chamber) of 25 March 2021. Banco Santander, SA v YC. Request for a preliminary ruling from the Audiencia Provincial de Las Palmas de Gran Canaria. Reference for a preliminary ruling – Article 53(2) and Article 99 of the Rules of Procedure of the Court of Justice – Consumer protection – Consumer credit – Directives 87/102/EEC and 2008/48/EC – Scope – National legislation intended to combat usury – Freedom to provide services. Case C-503/20.
- Case C-509/07: Judgment of the Court (First Chamber) of 23 April 2009 (reference for a preliminary ruling from the Tribunale di Bergamo (Italy)) — Luigi Scarpelli v NEOS Banca SpA (Directive 87/102/EEC — Consumer protection — Consumer credit — Breach of contract of sale)
- {AR|http://publications.europa.eu/resource/authority/fd_370/AR} 11.2
- Case C-76/10: Order of the Court (Eighth Chamber) of 16 November 2010 (reference for a preliminary ruling from the Krajský súd v Prešove (Slovak Republic)) — Pohotovost’ s.r.o. v Iveta Korčkovská (Preliminary ruling — Consumer protection — Directive 93/13/EEC — Unfair terms — Directive 2008/48/EC — Directive 87/102 — Consumer credit contracts — Annual percentage rate of charge — Arbitration proceedings — Arbitration award — Power of the national court to examine of its own motion whether certain terms are unfair)
- Case C-535/20: Request for a preliminary ruling from the Okrazhen sad Razgrad (Bulgaria) lodged on 20 October 2020 — BNP Paribas Personal Finance S.A., Bulgaria Branch v T.G.M.
- article 10 paragraph 2
- article 22 paragraph 1
- Case C-503/20: Request for a preliminary ruling from the Audiencia Provincial de Las Palmas de Gran Canaria (Spain) lodged on 6 October 2020 — Banco de Santander S.A. v YC
- Case C-610/22: Request for a preliminary ruling from the Tribunale di Pistoia (Italy) lodged on 23 September 2022 — QX v Agos Ducato S.p.A.
- article 14 paragraph 2
- Case C-445/21: Request for a preliminary ruling from the Sofiyski gradski sad (Bulgaria) lodged on 15 July 2021 — EUROBANK BULGARIA AD v NI, RZ, DMD DEVELOPMENTS OOD
- Case C-88/24: Request for a preliminary ruling from the Juzgado de Primera Instancia n.º 1 de Fuenlabrada (Spain) lodged on 2 February 2024 – A.B.D. v Bankinter Consumer Finance, E.F.C., SA
- article 15
Legal basis
- TREATY ESTABLISHING THE EUROPEAN ECONOMIC COMMUNITY, PART THREE - POLICY OF THE COMMUNITY, TITLE I - COMMON RULES, CHAPTER 3: APPROXIMATION OF LAWS, ARTICLE 100
EuroVoc Vocabulary
- Consumer information
- Consumer protection
- Protection of economic interests
- Approximation of laws
- Internal market - Principles
- Consumer credit
- Contract
- Consumer protection
- Approximation of laws