CCD2 — Consumer Credit Directive 2

CCD2 (Consumer Credit Directive 2), known as DCC2 in French, is the European directive that replaces the 2008 framework on consumer credit. It significantly widens the scope: products previously outside it, including a large part of instalment payment and small amounts, now fall within it. Above all, it strengthens the creditworthiness assessment obligation, which must rest on relevant and verified information rather than on self-declaration alone. Finally, it frames the use of automated processing, giving the applicant a right to an explanation and to human review in the event of a refusal.