CCD2 (Directive 2023/2225): what changes for your SECCI on 20 November 2026

On 20 November 2026, Directive (EU) 2023/2225 ("CCD2") replaces the 2008 Consumer Credit Directive (2008/48/EC) across the EU. It expands scope (crowdfunding credit, BNPL, small-sum credit), tightens creditworthiness assessment, and updates the SECCI (Standard European Consumer Credit Information) form and APRC calculation assumptions.

Key changes

• New SECCI template layout and mandatory content.
• Updated APRC assumptions in Annex III (replacing Annex I of 2008/48/EC).
• Broader scope: BNPL, crowdfunding, credit up to EUR 100 000.
• Enhanced creditworthiness assessment and responsible lending duties.

SECCI.pro is already CCD2-ready: the same input generates both a 2008/48/EC SECCI and a 2023/2225 SECCI. See licensing or the accuracy page for verified test vectors.