The European Commission is calling on Cyprus and 15 other member states to fully transpose the directive on consumer credit agreements into national law. The deadline for transposition expired on 20 November 2025.
Second step of the infringement procedure
The Commission moved to the second step of the infringement procedure, sending reasoned opinions to Cyprus, Bulgaria, Czechia, Estonia, Ireland, Spain, France, Croatia, Latvia, Luxembourg, Malta, the Netherlands, Poland, Portugal, Romania and Slovenia.
The reasoned opinions concern the 16 member states' failure to notify measures fully transposing Directive (EU) 2023/2225 into national law.
What the directive does
According to the Commission, the directive aims to strengthen consumer protection in the credit market by ensuring transparency and fairness in credit transactions across member states.
Two months to respond
The Commission launched the procedure in January 2026, sending letters of formal notice to 23 member states for failing to notify measures fully transposing the directive. To date, the 16 member states listed have still not notified the Commission of full transposition.
The member states now have two months to respond and take the necessary measures. Otherwise, the Commission may decide to refer the cases to the Court of Justice of the European Union and request financial penalties.
