In our feedback note on the evaluation of the Consumer Credit Directive (CCD), ACCIS invites the European Commission to evaluate how the outcomes of the creditworthiness assessment obligation provided for in the CCD compare with the outcomes of the ‘strengthened creditworthiness assessment’ included in the Mortgage Credit Directive.

ACCIS also recommends that coordination between the Consumer Policy Unit and the Retail Financial Services Unit is maintained throughout the evaluation exercise and that the 2009 recommendations of the Expert Group on Credit Histories (EGCH) and the 2011 World Bank’s General Principles for Credit Reporting are considered in the evaluation process.