+CHAPTER XV FINAL PROVISIONS
---+Article 42 Level of harmonisation
------+Article 42 1.
------+Article 42 2.
---+Article 43 Imperative nature of this Directive
------+Article 43 1.
------+Article 43 2.
---+Article 44 Penalties
------+Article 44 1.
------+Article 44 2.
------+Article 44 3.
---+Article 45 Exercise of the delegation
------+Article 45 1.
------+Article 45 2.
------+Article 45 3.
------+Article 45 4.
------+Article 45 5.
------+Article 45 6.
---+Article 46 Review and monitoring
------+Article 46 1.
------+Article 46 2.
------+Article 46 3.
------+Article 46 4.
---+Article 47 Repeal and transitional provisions
---+Article 48 Transposition
------+Article 48 1.
------+Article 48 2.
---+Article 49 Entry into force
---+Article 50 Addressees

CHAPTER XV FINAL PROVISIONS

CHAPTER XV FINAL PROVISIONS

1. Ħarsa ġenerali

,
Titlu Regolamentazzjoni
Article 42 Level of harmonisation
Article 43 Imperative nature of this Directive
Article 44 Penalties
Article 45 Exercise of the delegation
Article 46 Review and monitoring
Article 47 Repeal and transitional provisions

Article 47

Repeal and transitional provisions

Directive 2008/48/EC is repealed with effect from 20 November 2026.

Notwithstanding the first paragraph, Directive 2008/48/EC shall continue to apply to credit agreements existing on 20 November 2026 until their termination.

However, Articles 23 and 24, Article 25(1), second sentence, Article 25(2) and Articles 28 and 39 of this Directive shall apply to all open-end credit agreements existing on 20 November 2026.

References to the repealed Directive shall be construed as references to this Directive and shall be read in accordance with the correlation table set out in Annex IV.

Article 48 Transposition
Article 49 Entry into force

Article 49

Entry into force

This Directive shall enter into force on the twentieth day following that of its publication in the Official Journal of the European Union.

Article 50 Addressees

Article 50

Addressees

This Directive is addressed to the Member States.

1.1 Referenzi

1.2 Rekwiżiti identifikati

1.3 Standards relatati

2. Rekwiżiti identifikati

Rekwiżiti
Sors Rekwiżit

3. Standards relatati

Standards
Sors Rekwiżit