In our response to the public consultation on a new EU Consumer Agenda, ACCIS focuses on aspects in connection to consumer credit. ACCIS thinks that the scope of the Directive should be extended to cover all currently exempted credits. As a way to further improve rules on responsible lending/borrowing, we think that creditworthiness assessments should be based on all relevant and necessary data for each credit application that could influence a consumer’s ability and propensity to repay.