On 30 October 2023, there was published in the Official Journal of the European Union (OJ) Directive (EU) 2023/2225 of the European Parliament and of the Council of 18 October 2023 on credit agreements for consumers and repealing the Consumer Credit Directive.

The Directive enters into force on the twentieth day following its publication in the OJ.

Member States shall adopt and publish, by 20 November 2025, the laws, regulations and administrative provisions necessary to comply with the Directive. They shall immediately communicate the text of those provisions to the European Commission. They shall apply those measures from 20 November 2026.