In our response to the public consultation on the Mortgage Credit Directive, ACCIS illustrates that the requirement to base a creditworthiness assessment (CWA) on information on the consumer’s income and expenses and other financial and economic circumstances which is...

In our policy recommendations on the revised Consumer Credit Directive, we provide an overview of the functioning of creditworthiness assessments (CWAs) and credit scores in consumer lending decisions, an analysis of the role credit databases play, and targeted policy...

In our letter to the European Data Protection Supervisor on his opinion on the European Commission’s proposed Directive on consumer credits, we note that it is not possible to predict today what data categories could be used tomorrow to improve consumers' access to...

In our feedback on the proposed review of the Consumer Credit Directive, ACCIS welcomes the Commission’s proposal to review the Consumer Credit Directive (CCD). We think that the revised rules increase the level of consumer protection, facilitate access to consumer...

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...