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Verantwortungsvolle Kreditvergabe in der novellierten Verbraucherkreditrichtlinie

Author

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  • Rüsing Christian

    (Dr. iur., Akademischer Rat a. Z. am Lehrstuhl für Internationales Privat- und Verfahrensrecht und Bürgerliches Recht an der Universität Münster (Prof. Dr. Bettina Heiderhoff))

Abstract

Art. 18 der novellierten Verbraucherkreditrichtlinie enthält im Vergleich zur bislang geltenden Richtlinie aus dem Jahr 2008 deutlich umfangreichere Bestimmungen zur Kreditwürdigkeitsprüfung. Sie sind stark an die Vorgaben für Immobiliardarlehensverträge aus der Wohnimmobilienkreditrichtlinie angenähert worden. Inwieweit Kreditgeber ihre Verfahren anpassen müssen, ist wegen der weitgehend unbestimmten Vorgaben noch offen. Das betrifft insbesondere Anbieter von Kleinstkrediten wie bei „Buy now, pay later“-Modellen. Dieser Beitrag analysiert die neuen unionsrechtlichen Vorgaben und geht vor allem der Frage nach, welche Umsetzungsspielräume bei nationalen Gesetzgebern und Kreditgebern verbleiben.

Suggested Citation

  • Rüsing Christian, 2025. "Verantwortungsvolle Kreditvergabe in der novellierten Verbraucherkreditrichtlinie," Zeitschrift für Bankrecht und Bankwirtschaft (ZBB) / Journal of Banking Law and Banking (JBB), RWS Verlag, vol. 37(1), pages 24-52.
    • Handle: RePEc:bpj:zfbrbw:v:37:y:2025:i:1:p:24-52:n:1004
    DOI: 10.15375/zbb-2025-0104
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