Scope of application

These Guidelines apply to manufacturers and distributors of products offered and sold to consumers and specify product oversight and governance arrangements in relation to:

• - Article 74(1) of Directive 2013/36/EU (“Capital Requirements Directive, (CRD)”), Ar-ticle 10(4) of Directive 2007/64/EC (the “Payment Services Directive, (PSD)”), and Article 3(1) of Directive 2009/110/EC (the “E-Money Directive, (EMD)”) in conjunc-tion with Article 10(4) of the PSD; and
• - Article 7(1) of Directive 2014/17/EU (the “Directive on credit agreements for con-sumers relating to residential immovable property, or Mortgage Credit Directive, (MCD)”).

• - Article 32 (1) of Directive 2023/2225 (the “Directive on credit agreements for con-sumers and repealing Directive 2008/48/EC (CCD)”).’ Directive as transposed in the respective Member States.

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