The review of the mortgage credit directive: toward a digital, sustanaible and inclusive european market

Directive 2014/17/EU, of the European Parliament and of the Council of 4 February 2014 on credit agreements for consumers relating to residential immovable property, commonly referred to as the Mortgage Credit Directive (MCD), is still a relatively recent piece of legislation. Moreover, most Member...

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Bibliographic Details
Authors: Anderson, Miriam, Arroyo Amayuelas, Esther
Format: book part
Status:Versión aceptada para publicación
Publication Date:2025
Country:España
Institution:Varias* (Consorci de Biblioteques Universitáries de Catalunya, Centre de Serveis Científics i Acadèmics de Catalunya)
Repository:Recercat. Dipósit de la Recerca de Catalunya
OAI Identifier:oai:recercat.cat:2445/219937
Online Access:https://hdl.handle.net/2445/219937
Access Level:Open access
Keyword:Préstecs hipotecaris
Dret privat (Dret comunitari)
Dret comunitari i dret intern
Mortgage loans
Private law (European Union law)
Community law and national law
Description
Summary:Directive 2014/17/EU, of the European Parliament and of the Council of 4 February 2014 on credit agreements for consumers relating to residential immovable property, commonly referred to as the Mortgage Credit Directive (MCD), is still a relatively recent piece of legislation. Moreover, most Member States did not transpose on time, with Spain —one of the jurisdictions that suffered most in this area as a result of the 2008 financial crisis— being the latest to implement the MCD in 2019. Evaluating the effectiveness of the Directive is therefore complicated due to the limited availability of data