CCD2 | PayTechLaw.com

CCD2 bei Dispo und Überziehung: Diese neuen Pflichten kommen auf Banken zu | ALLES LEGAL #136 CCD2 and Overdraft Facilities: New Obligations for Banks | ALLES LEGAL #136

2 minute read

CCD2 and Overdraft Facilities: New Obligations for Banks | ALLES LEGAL #136

byDr. Florian Lörsch
20. May 2026

CCD2 will fundamentally reshape overdraft facilities. Banks will be required to provide customers with more frequent information, comply with stricter termination rules and carry out significantly more comprehensive creditworthiness assessments. Tolerated overdrafts will also face increased regulatory scrutiny.

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

2 minute read

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

byDr. Florian Lörsch
13. May 2026

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.

BBanking

CCD2 im Checkout: Was sich für BNPL und Rechnungskauf ändert | ALLES LEGAL #134 CCD2 in the Checkout: What Changes for BNPL and Purchase on Invoice | ALLES LEGAL #134

2 minute read

CCD2 in the Checkout: What Changes for BNPL and Purchase on Invoice | ALLES LEGAL #134

byDr. Florian Lörsch
29. April 2026

CCD2 tightens requirements for BNPL, purchase on invoice and instalment payments in the checkout. Even displaying these options may qualify as credit advertising and trigger additional obligations, including price disclosures, SECCI and credit checks. Overall, providers need to adjust processes across the entire customer journey.

BBanking

2 minute read

CCD2 Implementation Finalised: New Rules for the Credit Industry in Germany | ALLES LEGAL #133

byDr. Florian Lörsch
22. April 2026

Germany has finally implemented the EU Consumer Credit Directive (CCD2), with several noteworthy adjustments. In this episode of “Alles Legal”, Dana Wondra speaks with Dr Florian Lörsch about the key differences between the final law and the original draft – and what companies need to do now.

PPodcast

2 minute read

CCD2 & Buy Now, Pay Later: New Obligations for Merchants and Providers | ALLES LEGAL #115

byDr. Florian Lörsch
22. October 2025

Traditional invoicing faces regulation? In this episode of Alles Legal – Fintech-Recht kompakt, Annerton lawyer Florian Lörsch explains how the new Consumer Credit Directive (CCD2) introduces an entirely new set of rules for Buy Now, Pay Later and similar models. Tune in now!