+Articolul 22 Armonizarea și natura imperativă a prezentei directive
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---+Article 22 2.
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Articolul 22 Armonizarea și natura imperativă a prezentei directive

1. Prezentare generală

Titlu	Reglementare
Article 22 1.	Insofar as this Directive contains harmonised provisions, Member States may not maintain or introduce in their national law provisions diverging from those laid down in this Directive. However, Article 16a(3) and (4) shall not preclude Member States from maintaining or introducing more stringent provisions in order to protect consumers.
Article 22 2.	Member States shall ensure that consumers may not waive the rights conferred on them by the provisions of national law implementing or corresponding to this Directive.
Article 22 3.	Member States shall further ensure that the provisions they adopt in implementation of this Directive cannot be circumvented as a result of the way in which agreements are formulated, in particular by integrating drawdowns or credit agreements falling within the scope of this Directive into credit agreements the character or purpose of which would make it possible to avoid its application.
Article 22 4.	Member States shall take the necessary measures to ensure that consumers do not lose the protection granted by this Directive by virtue of the choice of the law of a third country as the law applicable to the credit agreement, if the credit agreement has a close link with the territory of one or more Member States.

Cerințe
Sursă	Cerință

Standarde
Sursă	Cerință

Builddate: 30.12.2023 00:00:00 -Doknr: CELEX:32008L0048
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