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Statele trebuie să împiedice dobânzile excesive și să se asigure că oamenii care nu își mai pot plăti datoriile au acces la consiliere.", "checked": "2026-10-04", "sources": [ { "label": "EUR-Lex, sinteza oficială a Directivei (UE) 2023/2225", "url": "https://eur-lex.europa.eu/legal-content/RO/LSU/?uri=CELEX:32023L2225", "retrieved": "2026-10-04" } ] }, "areas": [ "15" ], "transposition_dates": [ "2025-11-20", "2026-11-20" ], "main_deadline": "2025-11-20", "other_dates": [ { "date": "2026-11-20", "label_ro": "data de la care noile reguli ar trebui să se aplice", "sources": [ { "label": "EUR-Lex, sinteza oficială a Directivei (UE) 2023/2225", "url": "https://eur-lex.europa.eu/legal-content/RO/LSU/?uri=CELEX:32023L2225", "retrieved": "2026-10-04" } ] } ], "transposition_notes": [ { "date": "2025-11-20", "kinds": [ "adoption" ], "at_latest": false, "articles": [ "48.1" ], "quote": "(1) Statele membre adoptă și publică, până la 20 noiembrie 2025, actele cu putere de lege și actele administrative necesare pentru a se conforma prezentei directive.", "quote_article": null, "sources": [ { "label": "EUR-Lex, informații despre document 32023L2225", "url": "https://eur-lex.europa.eu/legal-content/RO/ALL/?uri=CELEX:32023L2225", "retrieved": "2026-10-31" }, { "label": "EUR-Lex, textul directivei 32023L2225", "url": "https://eur-lex.europa.eu/legal-content/RO/TXT/?uri=CELEX:32023L2225", "retrieved": "2026-10-31" } ] }, { "date": "2026-11-20", "kinds": [ "application" ], "at_latest": false, "articles": [ "48.1" ], "quote": "Acestea aplică respectivele dispoziții începând cu 20 noiembrie 2026.", "quote_article": null, "sources": [ { "label": "EUR-Lex, informații despre document 32023L2225", "url": "https://eur-lex.europa.eu/legal-content/RO/ALL/?uri=CELEX:32023L2225", "retrieved": "2026-10-31" }, { "label": "EUR-Lex, textul directivei 32023L2225", "url": "https://eur-lex.europa.eu/legal-content/RO/TXT/?uri=CELEX:32023L2225", "retrieved": "2026-10-31" } ] } ], "main_deadline_note": null, "tracked_reason": "deadline", "milestones": [ { "date": "2023-10-18", "label_ro": "Adoptare (semnare)", "sources": [ { "label": "EUR-Lex, informații despre document 32023L2225", "url": "https://eur-lex.europa.eu/legal-content/RO/ALL/?uri=CELEX:32023L2225", "retrieved": "2026-10-31" } ] }, { "date": "2023-10-30", "label_ro": "Publicare în Jurnalul Oficial al UE", "sources": [ { "label": "EUR-Lex, informații despre document 32023L2225", "url": "https://eur-lex.europa.eu/legal-content/RO/ALL/?uri=CELEX:32023L2225", "retrieved": "2026-10-31" } ] }, { "date": "2023-11-19", "label_ro": "Intrare în vigoare", "sources": [ { "label": "EUR-Lex, informații despre document 32023L2225", "url": "https://eur-lex.europa.eu/legal-content/RO/ALL/?uri=CELEX:32023L2225", "retrieved": "2026-10-31" } ] }, { "date": "2025-11-20", "label_ro": "Termen de transpunere", "sources": [ { "label": "EUR-Lex, informații despre document 32023L2225", "url": "https://eur-lex.europa.eu/legal-content/RO/ALL/?uri=CELEX:32023L2225", "retrieved": "2026-10-31" } ] } ], "sources": [ { "label": "EUR-Lex, textul directivei 32023L2225", "url": "https://eur-lex.europa.eu/legal-content/RO/TXT/?uri=CELEX:32023L2225", "retrieved": "2026-10-31" }, { "label": "EUR-Lex, informații despre document 32023L2225", "url": "https://eur-lex.europa.eu/legal-content/RO/ALL/?uri=CELEX:32023L2225", "retrieved": "2026-10-31" } ] }, "retrieved": "2026-10-31", "statuses": [ { "country": "AT", "name_ro": "Austria", "stage": "formal_notice", "stage_label_ro": "Punere în întârziere", "stage_date": "2026-01-29", "stage_kind": "non_communication", "days_from_deadline": 345, "measures": [ { "country": "AT", "celex": "72023L2225AUT_202604154", "title": "Bundesgesetz, mit dem das Verbraucherkreditgesetz aufgehoben wird, das Verbraucherkreditgesetz 2026 erlassen wird, das Maklergesetz, das Konsumentenschutzgesetz, das Verbraucherbehördenkooperationsgesetz und das Bankwesengesetz geändert werden (Verbraucherkreditrechts-Änderungsgesetz 2026 – VerKRÄG 2026)", "act_type": "Bundesgesetz", "local_id": "BGBl. 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Korm. rendelete a körültekintő lakossági hitelezés feltételeiről és a hitelképesség vizsgálatáról", "act_type": "Kormányrendelet", "local_id": "361/2009.", "notified": "2013-02-15", "journal": "Magyar Közlöny", "journal_number": null, "journal_date": null, "journal_pages": "49567-49570" }, { "country": "HU", "celex": "72023L2225HUN_212406", "title": "2013. évi CXXXIX. törvény a Magyar Nemzeti Bankról", "act_type": "Törvény", "local_id": "2013/CXXXIX.", "notified": "2014-01-09", "journal": "Magyar Közlöny", "journal_number": null, "journal_date": null, "journal_pages": "67824-87885" }, { "country": "HU", "celex": "72023L2225HUN_212408", "title": "2013. évi XCVIII. törvény egyes pénzügyi tárgyú törvények módosításáról", "act_type": "Törvény", "local_id": "2013/XCVIII.", "notified": "2014-01-09", "journal": "Magyar Közlöny", "journal_number": null, "journal_date": null, "journal_pages": "55391-55421" }, { "country": "HU", "celex": "72023L2225HUN_215848", "title": "2013. évi CCXXXVII. törvény a hitelintézetekről és a pénzügyi vállalkozásokról", "act_type": "Törvény", "local_id": "2013/CCXXXVII.", "notified": "2014-05-12", "journal": "Magyar Közlöny", "journal_number": null, "journal_date": null, "journal_pages": "85961-86081" }, { "country": "HU", "celex": "72023L2225HUN_215849", "title": "2013. évi CCXXXVI. törvény egyes pénzügyi tárgyú törvények módosításáról", "act_type": "Törvény", "local_id": "2013/CCXXXVI.", "notified": "2014-05-12", "journal": "Magyar Közlöny", "journal_number": null, "journal_date": null, "journal_pages": "85888-85961" }, { "country": "HU", "celex": "72023L2225HUN_219543", "title": "2013. évi CXLIII. törvény egyes törvényeknek a Magyar Nemzeti Bankról szóló törvénnyel összefüggő, valamint egyéb célú módosításáról", "act_type": "Törvény", "local_id": "2013/CXLIII.", "notified": "2014-09-04", "journal": "Magyar Közlöny", "journal_number": null, "journal_date": null, "journal_pages": "67906-67938" }, { "country": "HU", "celex": "72023L2225HUN_224439", "title": "2014. évi LXXVIII. törvény a fogyasztónak nyújtott hitelről szóló 2009. évi CLXII. törvény és egyes kapcsolódó törvények módosításáról", "act_type": "Törvény", "local_id": "2014/LXXVIII.", "notified": "2015-03-09", "journal": "Magyar Közlöny", "journal_number": null, "journal_date": null, "journal_pages": "18200-18213" }, { "country": "HU", "celex": "72023L2225HUN_224445", "title": "A nemzetgazdasági miniszter 56/2014. (XII. 31.) NGM rendelete a fogyasztónak nyújtott hitellel kapcsolatos egyes tájékoztatási szabályokról", "act_type": "Miniszteri rendelet", "local_id": "56/2014.NGM", "notified": "2015-03-09", "journal": "Magyar Közlöny", "journal_number": null, "journal_date": null, "journal_pages": "26931-26934" }, { "country": "HU", "celex": "72023L2225HUN_228019", "title": "2015. évi LXXXV. törvény egyes törvényeknek a pénzügyi közvetítőrendszer fejlesztésének előmozdítása érdekében történő módosításáról", "act_type": "Törvény", "local_id": "2015/LXXXV.", "notified": "2015-07-03", "journal": "Magyar Közlöny", "journal_number": null, "journal_date": null, "journal_pages": "13861-13942" }, { "country": "HU", "celex": "72023L2225HUN_233527", "title": "2015. évi CCXV. törvény a pénzügyi közvetítőrendszer egyes szereplőit érintő törvények jogharmonizációs célú módosításáról", "act_type": "Törvény", "local_id": "2015/CCXV.", "notified": "2016-01-08", "journal": "Magyar Közlöny", "journal_number": null, "journal_date": null, "journal_pages": "26601-26650" }, { "country": "HU", "celex": "72023L2225HUN_235392", "title": "2011. évi CXLVII. törvény az otthonvédelmi intézkedésekkel kapcsolatos egyes törvények módosításáról", "act_type": "Törvény", "local_id": "2011/CXLVII.", "notified": "2016-03-04", "journal": "Magyar Közlöny", "journal_number": null, "journal_date": null, "journal_pages": "32438-32447" }, { "country": "HU", "celex": "72023L2225HUN_235417", "title": "A Magyar Nemzeti Bank elnökének 32/2014. (IX. 10.) MNB rendelete a jövedelemarányos törlesztőrészlet és a hitelfedezeti arányok szabályozásáról", "act_type": "Miniszteri rendelet", "local_id": "32/2014.MNB", "notified": "2016-03-05", "journal": "Magyar Közlöny", "journal_number": null, "journal_date": null, "journal_pages": "13359-13362" }, { "country": "HU", "celex": "72023L2225HUN_238333", "title": "2016. évi LIII. törvény a pénzügyi közvetítőrendszert érintő egyes törvények módosításáról", "act_type": "Törvény", "local_id": "2016/LIII.", "notified": "2016-06-08", "journal": "Magyar Közlöny", "journal_number": null, "journal_date": null, "journal_pages": "05786-05830" }, { "country": "HU", "celex": "72023L2225HUN_248515", "title": "2017. évi LXIX. törvény a pénzügyi piacok működését és a pénzügyi eszközök kereskedését szabályozó törvények jogharmonizációs célú módosításáról", "act_type": "Törvény", "local_id": "2017/LXIX.", "notified": "2017-06-22", "journal": "Magyar Közlöny", "journal_number": null, "journal_date": null, "journal_pages": "08438-08508" }, { "country": "HU", "celex": "72023L2225HUN_257788", "title": "2017. évi CXXX. törvény a polgári perrendtartásról szóló 2016. évi CXXX. törvény hatálybalépésével összefüggő egyes törvények módosításáról", "act_type": "Törvény", "local_id": "2017/CXXX.", "notified": "2018-04-10", "journal": "Magyar Közlöny", "journal_number": null, "journal_date": null, "journal_pages": "28569-28628" }, { "country": "HU", "celex": "72023L2225HUN_274197", "title": "2018. évi CXXVI. törvény a pénzügyi közvetítőrendszert érintő egyes törvények jogharmonizációs célú módosításáról", "act_type": "Törvény", "local_id": "2018/CXXVI.", "notified": "2019-06-17", "journal": "Magyar Közlöny", "journal_number": null, "journal_date": null, "journal_pages": "36039-36096" }, { "country": "HU", "celex": "72023L2225HUN_274200", "title": "2017. évi CXCI. törvény a pénzügyi közvetítőrendszer hatósági felügyeletét érintő egyes törvények módosításáról", "act_type": "Törvény", "local_id": "2017/CXCI.", "notified": "2019-06-17", "journal": "Magyar Közlöny", "journal_number": null, "journal_date": null, "journal_pages": "34057-34067" }, { "country": "HU", "celex": "72023L2225HUN_282594", "title": "2019. évi XXXIV. törvény az Európai Unió adatvédelmi reformjának végrehajtása érdekében szükséges törvénymódosításokról", "act_type": "Törvény", "local_id": "2019/XXXIV.", "notified": "2020-03-27", "journal": "Magyar Közlöny", "journal_number": null, "journal_date": null, "journal_pages": "02037-02091" }, { "country": "HU", "celex": "72023L2225HUN_202059010", "title": "2020. évi CX. törvény a pénzügyi közvetítőrendszer egyes elemeit érintő törvények jogharmonizációs célú módosításáról", "act_type": "Törvény", "local_id": "2020/CX.", "notified": "2020-12-23", "journal": "Magyar Közlöny", "journal_number": "243", "journal_date": null, "journal_pages": "07678-07761" }, { "country": "HU", "celex": "72023L2225HUN_202306249", "title": "2023. évi LXXVI. törvény a pénzügyi közvetítő rendszert érintő törvények jogharmonizációs és egyéb célú módosításáról", "act_type": "Törvény", "local_id": "2023/LXXVI.", "notified": "2023-11-30", "journal": "Magyar Közlöny", "journal_number": "169", "journal_date": null, "journal_pages": null }, { "country": "HU", "celex": "72023L2225HUN_202401507", "title": "2022. évi LXXVII. törvény a Magyar Nemzeti Bankról szóló 2013. évi CXXXIX. törvény módosításáról", "act_type": "Törvény", "local_id": "2022/LXXVII.", "notified": "2024-03-28", "journal": "Magyar Közlöny", "journal_number": "211", "journal_date": null, "journal_pages": null }, { "country": "HU", "celex": "72023L2225HUN_202405702", "title": "2023. évi CIX. törvény a hazai gazdasági szereplők versenyképességének erősítésével és a közigazgatás hatékonyságának\nnövelésével összefüggő egyes törvények módosításáról", "act_type": "Törvény", "local_id": "2023/CIX.", "notified": "2024-12-19", "journal": "Magyar Közlöny", "journal_number": "187", "journal_date": null, "journal_pages": null }, { "country": "HU", "celex": "72023L2225HUN_202502830", "title": "2025. évi XII. törvény a nemteljesítő hitelmegállapodások hitelgondozóiról és a nemteljesítő hitelmegállapodások felvásárlóiról", "act_type": "Törvény", "local_id": "2025/XII.", "notified": "2025-05-21", "journal": "Magyar Közlöny", "journal_number": "51", "journal_date": null, "journal_pages": null }, { "country": "HU", "celex": "72023L2225HUN_202507032", "title": "A Kormány 331/2025. (X. 30.) Korm. rendelete egyes pénzügyi tárgyú rendeletek módosításáról és hatályon kívül helyezéséről", "act_type": "Kormányrendelet", "local_id": "331/2025.", "notified": "2025-12-16", "journal": "Magyar Közlöny", "journal_number": "126", "journal_date": null, "journal_pages": null }, { "country": "HU", "celex": "72023L2225HUN_202507106", "title": "2025. évi XCIX. törvény a távollévők között kötött pénzügyi ágazati szolgáltatási szerződésekről", "act_type": "Törvény", "local_id": "2025/XCIX.", "notified": "2025-12-18", "journal": "Magyar Közlöny", "journal_number": "153", "journal_date": null, "journal_pages": null }, { "country": "HU", "celex": "72023L2225HUN_202507107", "title": "2025. évi C. törvény a pénzügyi közvetítőrendszert érintő törvények módosításáról", "act_type": "Törvény", "local_id": "2025/C.", "notified": "2025-12-18", "journal": "Magyar Közlöny", "journal_number": "153", "journal_date": null, "journal_pages": null }, { "country": "HU", "celex": "72023L2225HUN_202507114", "title": "A Kormány 399/2025. (XII. 16.) Korm. rendelete a fogyasztói hitel nyújtásával, közvetítéssel kapcsolatos eljárásra, a hiteltanácsadásra és a foglalkoztatottak szakmai ismereteire vonatkozó szabályokról", "act_type": "Kormányrendelet", "local_id": "399/2025.", "notified": "2025-12-18", "journal": "Magyar Közlöny", "journal_number": "153", "journal_date": null, "journal_pages": null } ], "measures_after_directive": 8, "cases": [], "sources": [ { "label": "EUR-Lex, măsuri naționale de transpunere (32023L2225)", "url": "https://eur-lex.europa.eu/legal-content/RO/NIM/?uri=CELEX:32023L2225", "retrieved": "2026-10-31" }, { "label": "Comisia Europeană, registrul deciziilor privind încălcarea dreptului UE (32023L2225)", "url": "https://ec.europa.eu/implementing-eu-law/search-infringement-decisions/index.html?langCode=RO&version=v1&typeOfSearch=byCase&legalBasis=32023L2225", "retrieved": "2026-10-31" } ] }, { "country": "IE", "name_ro": "Irlanda", "stage": "reasoned_opinion", "stage_label_ro": "Aviz motivat", "stage_date": "2026-10-01", "stage_kind": "non_communication", "days_from_deadline": 345, "measures": [ { "country": "IE", "celex": "72023L2225IRL_202506372", "title": "Directive (EU) 2023/2225 of the European Parliament and of the Council of 18 October 2023 on credit agreements for consumers and repealing Directive 2008/48/EC", "act_type": "Statutory Instrument (Regulation or Order)", "local_id": "S. I. No 533/2010", "notified": "2025-11-20", "journal": "Iris Oifigiúl", "journal_number": "91/2010", "journal_date": "2010-11-16", "journal_pages": "1719" }, { "country": "IE", "celex": "72023L2225IRL_202506373", "title": "Directive (EU) 2023/2225 of the European Parliament and of the Council of 18 October 2023 on credit agreements for consumers and repealing Directive 2008/48/EC", "act_type": "Statutory Instrument (Regulation or Order)", "local_id": "S.I No 644/2023", "notified": "2025-11-20", "journal": "Iris Oifigiúl", "journal_number": "103/2023", "journal_date": "2023-12-26", "journal_pages": "1681" }, { "country": "IE", "celex": "72023L2225IRL_202506374", "title": "Directive (EU) 2023/2225 of the European Parliament and of the Council of 18 October 2023 on credit agreements for consumers and repealing Directive 2008/48/EC", "act_type": "Statutory Instrument (Regulation or Order)", "local_id": "S.I. No 80/2025", "notified": "2025-11-20", "journal": "Iris Oifigiúl", "journal_number": "24/2025", "journal_date": "2025-03-25", "journal_pages": "403" }, { "country": "IE", "celex": "72023L2225IRL_202506375", "title": "Directive (EU) 2023/2225 of the European Parliament and of the Council of 18 October 2023 on credit agreements for consumers and repealing Directive 2008/48/EC", "act_type": "Act (Primary Legislation)", "local_id": "Credit Reporting Act 2013 (No. 45 of 2013)", "notified": "2025-11-20", "journal": "Iris Oifigiúl", "journal_number": "1 of 2014", "journal_date": "2014-01-03", "journal_pages": "6" }, { "country": "IE", "celex": "72023L2225IRL_202506376", "title": "Directive (EU) 2023/2225 of the European Parliament and of the Council of 18 October 2023 on credit agreements for consumers and repealing Directive 2008/48/EC", "act_type": "Act (Primary Legislation)", "local_id": "Equal Status Act, 2000 (No. 8 of 2000)", "notified": "2025-11-20", "journal": "Iris Oifigiúl", "journal_number": "34/2000", "journal_date": "2000-04-28", "journal_pages": null }, { "country": "IE", "celex": "72023L2225IRL_202506377", "title": "Directive (EU) 2023/2225 of the European Parliament and of the Council of 18 October 2023 on credit agreements for consumers and repealing Directive 2008/48/E", "act_type": "Act (Primary Legislation)", "local_id": "Consumer Credit Act 1995 (No. 24 of 1995)", "notified": "2025-11-20", "journal": "Iris Oifigiúl", "journal_number": "61/1995", "journal_date": "1995-08-01", "journal_pages": null }, { "country": "IE", "celex": "72023L2225IRL_202506424", "title": "Directive (EU) 2023/2225 of the European Parliament and of the Council of 18 October 2023 on credit agreements for consumers and repealing Directive 2008/48/EC", "act_type": "Act (Primary Legislation)", "local_id": "Credit Union Act 1997 (No. 15 of 1997)", "notified": "2025-11-20", "journal": "Iris Oifigiúl", "journal_number": "37/1997", "journal_date": "1997-05-05", "journal_pages": null }, { "country": "IE", "celex": "72023L2225IRL_202506425", "title": "Directive (EU) 2023/2225 of the European Parliament and of the Council of 18 October 2023 on credit agreements for consumers and repealing Directive 2008/48/EC", "act_type": "Act (Primary Legislation)", "local_id": "Central Bank Act 1942 (No. 22 of 1942)", "notified": "2025-11-20", "journal": "Iris Oifigiúl", "journal_number": "81/1942", "journal_date": null, "journal_pages": null } ], "measures_after_directive": 8, "cases": [ { "number": "INFR(2026)0079", "country": "IE", "title": "Lack of transposition of Directive on credit agreements for consumers (2023/2225) by Ireland", "active": true, "kind": "non_communication", "kind_ro": "Necomunicarea măsurilor de transpunere a directivelor", "decisions": [ { "date": "2026-01-29", "stage": "formal_notice", "label_ro": "Punere în întârziere, art. 258-260 alineatul (3) din TFUE", "memo_url": null, "court_case": null, "court_url": null, "court_ruling": null }, { "date": "2026-10-01", "stage": "reasoned_opinion", "label_ro": "Aviz motivat, art. 258-260 alineatul (3) din TFUE", "memo_url": "https://ec.europa.eu/commission/presscorner/detail/RO/inf_26_1760", "court_case": null, "court_url": null, "court_ruling": null } ] } ], "sources": [ { "label": "EUR-Lex, măsuri naționale de transpunere (32023L2225)", "url": "https://eur-lex.europa.eu/legal-content/RO/NIM/?uri=CELEX:32023L2225", "retrieved": "2026-10-31" }, { "label": "Comisia Europeană, registrul deciziilor privind încălcarea dreptului UE (32023L2225)", "url": "https://ec.europa.eu/implementing-eu-law/search-infringement-decisions/index.html?langCode=RO&version=v1&typeOfSearch=byCase&legalBasis=32023L2225", "retrieved": "2026-10-31" }, { "label": "Comunicat CE, INFR(2026)0079, 01.10.2026", "url": "https://ec.europa.eu/commission/presscorner/detail/RO/inf_26_1760", "retrieved": "2026-10-31" } ] }, { "country": "IT", "name_ro": "Italia", "stage": "due_no_action", "stage_label_ro": "Fără procedură CE 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"country": "LT", "name_ro": "Lituania", "stage": "formal_notice", "stage_label_ro": "Punere în întârziere", "stage_date": "2026-01-29", "stage_kind": "non_communication", "days_from_deadline": 345, "measures": [ { "country": "LT", "celex": "72023L2225LTU_202602208", "title": "Lietuvos Respublikos Lietuvos banko įstatymas Nr. I-678 (suvestinė redakcija nuo 2022-12-01 iki 2023-11-09)", "act_type": "Įstatymas", "local_id": "Nr. I-678/1994", "notified": "2026-04-02", "journal": "Valstybės žinios", "journal_number": "99-1957", "journal_date": "1994-12-23", "journal_pages": null }, { "country": "LT", "celex": "72023L2225LTU_202602209", "title": "Lietuvos Respublikos vartotojų teisių apsaugos įstatymas Nr. I-657 (suvestinė redakcija nuo 2023-06-25 iki 2023-12-31)", "act_type": "Įstatymas", "local_id": "I-657/1994", "notified": "2026-04-02", "journal": "Valstybės žinios", "journal_number": "94-1833", "journal_date": "1994-12-07", "journal_pages": null }, { "country": "LT", "celex": "72023L2225LTU_202602210", "title": "Lietuvos Respublikos civilinio kodekso patvirtinimo, įsigaliojimo ir įgyvendinimo įstatymas Nr. 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