PPodcast
Kreditwürdigkeitsprüfung unter der CCD2: Was sich jetzt konkret ändert | ALLES LEGAL #135 Creditworthiness Assessments under CCD2: What Is Changing in Practice | ALLES LEGAL #135
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  • 2 minute read

Creditworthiness Assessments under CCD2: What Is Changing in Practice | ALLES LEGAL #135

The new Consumer Credit Directive CCD2 significantly tightens the requirements for creditworthiness assessments. In future, credit may only be granted where repayment in accordance with the contract appears likely. Discussing what this means for banks, fintechs and BNPL providers, how scoring and automated decisions will be affected and why companies should now take a close look at their processes.
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PPayment
Buy Now Pay Later und der neue Anwendungsbereich des Verbraucherdarlehensrechts The implementation deadline for CCD2 is approaching – and consumer credit law will soon apply to BNPL models
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  • 9 minute read

The implementation deadline for CCD2 is approaching – and consumer credit law will soon apply to BNPL models

Buy Now, Pay Later (BNPL) has evolved from a simple payment method into a major financing tool in e-commerce—and is now under regulatory scrutiny. The Second Consumer Credit Directive and its implementation in Germany expand the scope of consumer credit law significantly. This article explains which BNPL models will fall under consumer credit rules in the future and where lawmakers draw the line.
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FFinTech
Buy Now Pay Later – Overview of the Legal Framework 4
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  • 3 minute read

Buy Now Pay Later – Overview of the Legal Framework

Spontaneous purchases, deferred payments – Buy Now Pay Later (BNPL) is a hallmark of modern consumer behaviour that prioritises flexibility. Once a familiar feature of mail-order catalogues, the model has evolved with the rise of e-commerce across Europe. Yet behind the seemingly simple concept lies a complex regulatory landscape that warrants closer scrutiny.
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