European Union
Directive (EU) 2023/2225 on EUR-Lex ↗
European Commission: consumer credit ↗
Use the operative text, amendments and relevant national implementing law. The Directive timetable alone does not verify a Member State’s implementation status.
United Kingdom
Check the current Handbook text, application provisions and relevant statutory framework for the agreement.
United States
CFPB: Regulation B ↗
CFPB: Regulation Z ↗
Use current federal regulations and official interpretations, with official legal editions where required. Research FCRA, UDAAP and state requirements separately when relevant.
National implementation
Use official legislation portals and national competent authorities. Record the instrument, provision, publication status, commencement and review date. No country status is inferred from an EU-level deadline.