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EU Consumer Credit Directive II: the new era of consumer credit in telecoms

Part 1: Presentation from EU Commission - understanding the new EU Consumer Credit Directive (CCD II)

Dr. Daniela Bankier explains how the directive aims to modernise consumer protection, address digital-era risks, and ensure more responsible lending across the EU. She summarised key changes, including stricter rules on pre-contractual information, stronger creditworthiness assessments, and new enforcement requirements.

Part 2: Q&A with Dr Bankier from the EU Commission

In this session, we examined the stricter requirements that now apply to device financing, BNPL, and other small-value credit products, including enhanced disclosures and creditworthiness checks. We also reviewed the key implementation deadlines and the implications for telcos operating across multiple countries.

Part 3: Panel discussion - understanding the impact of CCD II for telcos

In this session with our partner PwC, we discuss how many telco offerings are now classified as regulated consumer credit, requiring licensing and full compliance across the customer lifecycle. The panellists discuss a number of strategic options available to telcos, such as outsourcing, banking-as-a-service (BaaS) partnerships, and modernising technology stacks to support compliant origination and risk management.