Classify a credit product as in-scope or exempt under CCD2 (Directive (EU) 2023/2225). Determines applicable obligation tier: full regime or lighter-touch: for BNPL, interest-free instalments, POS finance, personal loans, overdrafts, and running-account credit. Rules apply from 20 Nov 2026.
EU Regime (CCD2): This tool implements Directive (EU) 2023/2225. It is distinct from the UK FCA BNPL regime (T187–T194, T329/T330). Do not use for products governed solely by UK FCA rules after Brexit. For the FCA temporary-permissions BNPL framework see the UK BNPL cluster.
CCD2 · EU 2023/2225Applies 20 Nov 2026BNPL in scopeZero PII · Client-side
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Product Details
CCD2 Obligation Checklist
Tabular Export
Structured classification data for downstream tools (T482–T484).