in force 2014-03-20
02010R1093-20131030 → 02010R1093-20140320
Amended by Directive 2014/17/EU 32014L0017
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 and amending Directives 2008/48/EC and 2013/36/EU and Regulation (EU) No 1093/2010 Text with EEA relevance
detected 2026-08-13
4 provisions touched — 4 substantive, 0 date-only, 4 disputed · 2 changes without an explanation
Emendrix checks every change against three independent sources. Where they disagree it says so rather than picking a winner.
MODIFIED +80 −2 Art. 13 Objections to regulatory technical standards§
applies from: unchanged
Sources disagree — the text comparison and the amending act's instructions found this change; the EU's own amendment metadata does not list it. All are shown; none is overruled.
The provision on extending the objection period at the initiative of the European Parliament or the Council, in the case where the Commission adopts a regulatory technical standard identical to the Authority's draft, changes from a single flat one-month extension to an initial one-month extension that is further extendable by another one month.
Cited: Art. 13, v1 · Art. 13, v2
text before / after
02010R1093-20131030 → 02010R1093-20140320
Article 13
Objections to regulatory technical standards
1.
The European Parliament or the Council may object to a regulatory technical standard within a period of 3 months from the date of notification of the regulatory technical standard adopted by the Commission. At the initiative of the European Parliament or the Council that period shall be extended by 3 months.
Where the Commission adopts a regulatory technical standard which is the same as the draft regulatory technical standard submitted by the Authority, the period during which the European Parliament and the Council may object shall be 1 month from the date of notification. At the initiative of the European Parliament or the Council that period shall be extended by for an initial period of 1 month and shall be extendable for a further period of 1 month.
2.
If, on the expiry of the period referred to in paragraph 1, neither the European Parliament nor the Council has objected to the regulatory technical standard, it shall be published in the Official Journal of the European Union and shall enter into force on the date stated therein.
The regulatory technical standard may be published in the Official Journal of the European Union and enter into force before the expiry of that period if the European Parliament and the Council have both informed the Commission of their intention not to raise objections.
3.
If either the European Parliament or the Council objects to a regulatory technical standard within the period referred to in paragraph 1, it shall not enter into force. In accordance with Article 296 TFEU, the institution which objects shall state the reasons for objecting to the regulatory technical standard.
MODIFIED ±0 Art. 13.1§
applies from: unknown
Sources disagree — the EU's own amendment metadata found this change; the text comparison finds no difference in the provision's text and the amending act's instructions do not mention it. All are shown; none is overruled.
No explanation shipped — the structural diff did not see this change, so it carries no text; another signal named the unit and the disagreement ships as `disputed`.
text before / after
No text on either side: this unit was named by a signal that carries no text, and only the structural diff carries any.
MODIFIED +112 −14 Art. 17 Breach of Union law§
applies from: unchanged
Sources disagree — the text comparison and the amending act's instructions found this change; the EU's own amendment metadata does not list it. All are shown; none is overruled.
In paragraph 2, the description of the information a competent authority must provide to the Authority during an investigation now includes information on how the acts referred to in Article 1(2) are applied in accordance with Union law, a phrase absent from the earlier version.
Cited: Art. 17, v1 · Art. 17, v2
text before / after
02010R1093-20131030 → 02010R1093-20140320
Article 17
Breach of Union law
1.
Where a competent authority has not applied the acts referred to in Article 1(2), or has applied them in a way which appears to be a breach of Union law, including the regulatory technical standards and implementing technical standards established in accordance with Articles 10 to 15, in particular by failing to ensure that a financial institution satisfies the requirements laid down in those acts, the Authority shall act in accordance with the powers set out in paragraphs 2, 3 and 6 of this Article.
2.
Upon a request from one or more competent authorities, the European Parliament, the Council, the Commission or the Banking Stakeholder Group, or on its own initiative, and after having informed the competent authority concerned, the Authority may investigate the alleged breach or non-application of Union law.
Without prejudice to the powers laid down in Article 35, the competent authority shall, without delay, provide the Authority with all information which the Authority considers necessary for its investigation. investigation including as to how the acts referred to in Article 1(2) are applied in accordance with Union law.
3.
The Authority may, not later than 2 months from initiating its investigation, address a recommendation to the competent authority concerned setting out the action necessary to comply with Union law.
The competent authority shall, within 10 working days of receipt of … 359 unchanged words … case may be.
8.
In the report referred to in Article 43(5), the Authority shall set out which competent authorities and financial institutions have not complied with the formal opinions or decisions referred to in paragraphs 4 and 6 of this Article.
MODIFIED ±0 Art. 17.2§
applies from: unknown
Sources disagree — the EU's own amendment metadata found this change; the text comparison finds no difference in the provision's text and the amending act's instructions do not mention it. All are shown; none is overruled.
No explanation shipped — the structural diff did not see this change, so it carries no text; another signal named the unit and the disagreement ships as `disputed`.
text before / after
No text on either side: this unit was named by a signal that carries no text, and only the structural diff carries any.
The full entry, with the citation mapping v1 = 02010R1093-20131030, v2 = 02010R1093-20140320, is committed at eu/32010R1093/CHANGELOG.md.