{"id":1445,"date":"2026-07-29T10:10:16","date_gmt":"2026-07-29T07:10:16","guid":{"rendered":"https:\/\/aklegal.gr\/?p=1445"},"modified":"2026-07-29T10:10:17","modified_gmt":"2026-07-29T07:10:17","slug":"consumer-credit-directive-2-ccd-2","status":"publish","type":"post","link":"https:\/\/aklegal.gr\/el\/consumer-credit-directive-2-ccd-2\/","title":{"rendered":"Consumer Credit Directive 2 (CCD 2)"},"content":{"rendered":"

The enactment of Law 5317\/2026<\/strong>, implementing Directive (EU) 2023\/2225 (Consumer Credit Directive 2 \u2013 CCD 2)<\/strong>, represents a significant milestone in the evolution of Greece\u2019s consumer credit framework.<\/p>\n\n\n\n

The new legislation introduces a more comprehensive regulatory regime aimed at strengthening consumer protection, responsible lending and market transparency<\/strong>, while responding to the growing digitalisation of consumer finance.<\/p>\n\n\n\n

Key changes include:<\/p>\n\n\n\n

\u2022 A broader scope of application, extending to additional categories of consumer credit agreements;
\u2022 Enhanced advertising standards and pre-contractual disclosure obligations;
\u2022 More robust creditworthiness assessment requirements, including safeguards where automated decision-making is used;
\u2022 Strengthened consumer rights, including new protections relating to the cost of credit and early repayment;
\u2022 Increased compliance obligations for creditors and credit intermediaries.<\/p>\n\n\n\n

With the new framework becoming applicable on 20 November 2026<\/strong>, organisations involved in consumer lending should take this opportunity to review their contractual documentation, customer communications, credit assessment procedures and internal compliance policies to ensure alignment with the forthcoming requirements.<\/p>\n\n\n\n

At AK Legal<\/strong>, we closely monitor legislative and regulatory developments affecting the financial services sector and advise businesses on navigating complex regulatory changes, managing legal risk and achieving effective compliance.<\/p>\n\n\n\n

For further information or to discuss your readiness, please contact us: info@aklegal.gr<\/a><\/p>","protected":false},"excerpt":{"rendered":"

The enactment of Law 5317\/2026, implementing Directive (EU) 2023\/2225 (Consumer Credit Directive 2 \u2013 CCD 2), represents a significant milestone in the evolution of Greece\u2019s consumer credit framework. The new legislation introduces a more comprehensive regulatory regime aimed at strengthening consumer protection, responsible lending and market transparency, while responding to the growing digitalisation of consumer […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[14],"tags":[],"class_list":["post-1445","post","type-post","status-publish","format-standard","hentry","category-news-work-highlights"],"acf":[],"yoast_head":"\nConsumer Credit Directive 2 (CCD 2) - aklegal.gr<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/aklegal.gr\/el\/consumer-credit-directive-2-ccd-2\/\" \/>\n<meta property=\"og:locale\" content=\"el_GR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Consumer Credit Directive 2 (CCD 2) - aklegal.gr\" \/>\n<meta property=\"og:description\" content=\"The enactment of Law 5317\/2026, implementing Directive (EU) 2023\/2225 (Consumer Credit Directive 2 \u2013 CCD 2), represents a significant milestone in the evolution of Greece\u2019s consumer credit framework. The new legislation introduces a more comprehensive regulatory regime aimed at strengthening consumer protection, responsible lending and market transparency, while responding to the growing digitalisation of consumer […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/aklegal.gr\/el\/consumer-credit-directive-2-ccd-2\/\" \/>\n<meta property=\"og:site_name\" content=\"aklegal.gr\" \/>\n<meta property=\"article:published_time\" content=\"2026-07-29T07:10:16+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-07-29T07:10:17+00:00\" \/>\n<meta name=\"author\" content=\"aklegal\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u03a3\u03c5\u03bd\u03c4\u03ac\u03c7\u03b8\u03b7\u03ba\u03b5 \u03b1\u03c0\u03cc\" \/>\n\t<meta name=\"twitter:data1\" content=\"aklegal\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u0395\u03ba\u03c4\u03b9\u03bc\u03ce\u03bc\u03b5\u03bd\u03bf\u03c2 \u03c7\u03c1\u03cc\u03bd\u03bf\u03c2 \u03b1\u03bd\u03ac\u03b3\u03bd\u03c9\u03c3\u03b7\u03c2\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 \u03bb\u03b5\u03c0\u03c4\u03cc\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/aklegal.gr\\\/consumer-credit-directive-2-ccd-2\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/aklegal.gr\\\/consumer-credit-directive-2-ccd-2\\\/\"},\"author\":{\"name\":\"aklegal\",\"@id\":\"https:\\\/\\\/aklegal.gr\\\/#\\\/schema\\\/person\\\/ccc5a9c9677b52c6e265ea9bac4b60ce\"},\"headline\":\"Consumer Credit Directive 2 (CCD 2)\",\"datePublished\":\"2026-07-29T07:10:16+00:00\",\"dateModified\":\"2026-07-29T07:10:17+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/aklegal.gr\\\/consumer-credit-directive-2-ccd-2\\\/\"},\"wordCount\":196,\"publisher\":{\"@id\":\"https:\\\/\\\/aklegal.gr\\\/#organization\"},\"articleSection\":[\"News & Work highlights\"],\"inLanguage\":\"el\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/aklegal.gr\\\/consumer-credit-directive-2-ccd-2\\\/\",\"url\":\"https:\\\/\\\/aklegal.gr\\\/consumer-credit-directive-2-ccd-2\\\/\",\"name\":\"Consumer Credit Directive 2 (CCD 2) - 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