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Archive » June 2026 » The revision of the Ccd Directive: scenarios and prospects of Consumer Credit

The revision of the Ccd Directive: scenarios and prospects of Consumer Credit

Bruno Giannattasio
June 2026 - n. 6
Keywords: Direttiva Ccd2, credito ai consumatori
Jel codes: G21, D12, K33

The new European Directive on Consumer Credit (Ccd2) stems from the need to adapt the regulatory framework to market developments, driven, mainly, by digitalisation which has contributed to changing the way products are offered and customer behaviour. The increasingly widespread use of technological means and innovative business models can represent an advantage for customers, in terms of ease of access to credit, but creates new risks that must be appropriately monitored. The framework of rules is therefore called upon to encourage innovation and market evolution while ensuring a high level of protection for customers.

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