The second Consumer Credit Directive (CCD2, Directive (EU) 2023/2225) reshapes consumer lending across the European Union. Its scope now covers buy now, pay later and small loans. Creditworthiness assessment becomes stricter, and new rules apply to advertising and consumer information. The new rules apply from 20 November 2026.
Yet each Member State transposes the directive in its own way. For lenders, BNPL providers and fintechs, a single European framework does not mean a single set of rules.
Finance Innovation brings together lawyers from four countries to compare national approaches. They will share what CCD2 means in practice for players operating in, or expanding into, several European markets.
Programme
- 10:00 | Welcome and introduction to Finance Innovation
- 10:05 | Country focus and impact of CCD2
France, Spain, Italy and Portugal: how each country is transposing the directive, the national options chosen, and the practical impact for credit providers. - Conclusion and Q&A
A cross country wrap up of the main differences and the points to anticipate, followed by questions from participants through the chat.
Speakers
- Sofia El Mrabet, Partner, SELM Avocats (France)
- Miguel Linares Polaino, Partner, Linares Abogados (Spain)
- Sergio Visalli, Special Counsel, Alma LED (Italy)
- Isabel Pinheiro Torres, Partner, Abreu Advogados (Portugal)
Who should attend?
Consumer credit and BNPL providers, banks, fintechs and payment players, as well as compliance, legal and expansion teams.
