Cat-16 · T484 · EU Consumer Credit · CCD2 Final Stage

CCD2 Readiness Scorer

Score your organisation's readiness for CCD2 (Directive (EU) 2023/2225) compliance across five domains: scope & product review, creditworthiness (Art. 18), SECCI pre-contractual disclosure (Annex II), consumer rights implementation, and governance & recordkeeping. Final stage of the CCD2 workflow: exports a composite Policy Mandate.

CCD2 · Final Stage T484 Five readiness domains Deadline: 20 Nov 2026 Zero PII · Client-side

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Domain 1: Scope & Product Review CCD2 Art. 2: 4 checks

All credit products mapped: BNPL, interest-free instalments, personal loans confirmed in/out-of-CCD2 scope Art. 2(1) €200–€100k

BNPL and interest-free instalment scope reviewed: CCD1 Art. 2(2)(f)/(g) exemptions removed under CCD2 Art. 2(2) CCD2

Merchant / retailer responsibilities under Art. 37 CCD2 assessed (BNPL distribution chain)

Cross-border lending within EU reviewed against home/host NCA requirements

Domain 2: Creditworthiness Assessment CCD2 Art. 18: 5 checks

Art. 18 creditworthiness framework built with forward-looking, verified-data requirement Art. 18(1)-(2)

Credit database consultation implemented for relevant products Art. 18(5)

Human review path in place for automated creditworthiness decisions Art. 18(3)

Grant/decline outcomes documented and audit trail in place Art. 18(7)

EU AI Act cross-check complete for AI-based credit scoring systems (T327, T452)

Domain 3: SECCI Pre-contractual Disclosure CCD2 Annex II: 5 checks

SECCI form template updated to CCD2 Annex II (replacing CCD1 Annex II) Annex II

APR calculation methodology updated to include all credit costs per CCD2 Annex II §3

Process ensures SECCI is provided before agreement conclusion: not at/after signing Art. 10

Digital delivery of SECCI compliant with Art. 3 CCD2 (durable medium / accessible URL)

Lighter SECCI regime for low-value BNPL reviewed against national transposition rules

Domain 4: Consumer Rights Implementation CCD2 Arts. 26–32: 4 checks

14-day right of withdrawal process implemented: no penalty on exercise Art. 26

Early repayment right implemented: compensation limited to 0.5%/1% of remaining amount Art. 29

Forbearance / arrears handling process meets CCD2 Art. 32 requirements

Out-of-court complaint / ADR scheme named and accessible to consumers Art. 40

Domain 5: Governance & Recordkeeping CCD2 Arts. 38–42: 4 checks

Lending policies, credit risk appetite, and underwriting standards updated for CCD2

Credit agreement and assessment records retained: verify member state retention period Art. 38 CCD2 + national law

NCA notification / authorisation requirements under national CCD2 transposition assessed

Staff training on CCD2 changes (creditworthiness, SECCI, BNPL scope) completed