This Consumer Credit Agreement template is designed for use by financial institutions and credit providers operating in Malta when extending credit to individual consumers. The document ensures compliance with the Malta Consumer Affairs Act, Consumer Credit Regulations (S.L. 378.12), and relevant EU directives. It contains all mandatory pre-contractual information, credit terms, consumer rights, and protection measures required by Maltese and EU law. The agreement is structured to provide transparency in credit costs, clear repayment terms, and comprehensive consumer rights, including withdrawal rights and early repayment options. It's particularly suited for personal loans, credit cards, and other consumer credit products offered within Malta's jurisdiction.
Consumer Credit Agreement for Malta
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Key Requirements PROMPT example:
Consumer Credit Agreement
"I need a Consumer Credit Agreement for a €10,000 personal loan with a 24-month term, including variable interest rate provisions and early repayment options, to be used in our Malta branch starting March 2025."
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1. Parties: Identification of the credit provider and the consumer, including full legal names, addresses, and registration details where applicable
2. Background: Context of the agreement, purpose of the credit, and relationship between the parties
3. Definitions: Definitions of key terms used throughout the agreement, including technical financial terms
4. Amount of Credit and Duration: Clear statement of the total amount of credit, duration of the agreement, and drawdown conditions
5. Interest Rate and Charges: Detailed breakdown of interest rates (APR), all applicable fees, and total cost of credit
6. Repayment Terms: Payment schedule, amount of installments, and method of payment
7. Consumer Rights: Statement of statutory rights including right of withdrawal, early repayment rights, and complaint procedures
8. Default and Consequences: Consequences of missed payments, default interest, and collection procedures
9. Data Protection: Information about personal data processing, credit checks, and data sharing
10. Amendments and Notices: Procedures for changing terms and conditions, and methods of communication
11. Governing Law and Jurisdiction: Confirmation of Maltese law application and jurisdiction
1. Security: Required when the credit is secured against assets or requires guarantors
2. Insurance Requirements: Included when credit agreement requires specific insurance coverage
3. Variable Interest Rate Provisions: Required for agreements with variable interest rates, explaining variation mechanisms
4. Credit Card Specific Terms: Included for credit card agreements, covering card usage, limits, and specific features
5. Joint Borrower Provisions: Required when there are multiple borrowers on the agreement
6. Special Drawdown Conditions: Included for agreements with specific conditions for credit availability
7. Distance Marketing Provisions: Required for agreements concluded remotely
1. Schedule 1 - Repayment Schedule: Detailed amortization table showing payment dates, amounts, and interest/principal breakdown
2. Schedule 2 - Fees and Charges: Comprehensive list of all applicable fees and charges
3. Schedule 3 - Standard European Consumer Credit Information: Mandatory pre-contractual information in standard EU format
4. Schedule 4 - Direct Debit Mandate: Form for setting up automatic payments if applicable
5. Appendix A - Interest Rate Calculation Method: Detailed explanation of interest calculation methodology
6. Appendix B - Complaints Procedure: Detailed process for filing and handling complaints
7. Appendix C - Data Protection Notice: Detailed information about data processing practices and privacy policies
Authors
Relevant legal definitions
Agreement
Annual Percentage Rate (APR)
Borrower
Business Day
Credit
Credit Limit
Consumer
Default
Default Interest Rate
Direct Debit
Early Repayment
Event of Default
Financial Institution
Fixed Interest Rate
Interest Period
Late Payment
Lender
Loan
Material Adverse Effect
Maturity Date
Monthly Statement
Outstanding Balance
Payment Date
Personal Data
Principal
Repayment Schedule
Right of Withdrawal
Secured Credit
Security
Standard European Consumer Credit Information
Term
Total Amount Payable
Total Cost of Credit
Unsecured Credit
Variable Interest Rate
Working Day
Annual Percentage Rate (APR)
Borrower
Business Day
Credit
Credit Limit
Consumer
Default
Default Interest Rate
Direct Debit
Early Repayment
Event of Default
Financial Institution
Fixed Interest Rate
Interest Period
Late Payment
Lender
Loan
Material Adverse Effect
Maturity Date
Monthly Statement
Outstanding Balance
Payment Date
Personal Data
Principal
Repayment Schedule
Right of Withdrawal
Secured Credit
Security
Standard European Consumer Credit Information
Term
Total Amount Payable
Total Cost of Credit
Unsecured Credit
Variable Interest Rate
Working Day
Clauses
Credit Facility
Interest Rate
Fees and Charges
Repayment
Early Repayment
Default
Security
Representations and Warranties
Consumer Rights
Right of Withdrawal
Data Protection
Confidentiality
Amendment
Assignment
Notices
Force Majeure
Severability
Entire Agreement
Governing Law
Jurisdiction
Consumer Protection
Information Disclosure
Payment Terms
Default Interest
Credit Assessment
Insurance
Termination
Complaints Procedure
Direct Debit Authorization
Credit Limit
Interest Rate
Fees and Charges
Repayment
Early Repayment
Default
Security
Representations and Warranties
Consumer Rights
Right of Withdrawal
Data Protection
Confidentiality
Amendment
Assignment
Notices
Force Majeure
Severability
Entire Agreement
Governing Law
Jurisdiction
Consumer Protection
Information Disclosure
Payment Terms
Default Interest
Credit Assessment
Insurance
Termination
Complaints Procedure
Direct Debit Authorization
Credit Limit
Relevant Industries
Financial Services
Banking
Consumer Finance
Retail Banking
Consumer Lending
Credit Services
Personal Finance
Microfinance
Relevant Teams
Legal
Compliance
Retail Banking
Consumer Finance
Risk Management
Credit Operations
Customer Service
Regulatory Affairs
Product Development
Credit Administration
Documentation
Relevant Roles
Credit Manager
Loan Officer
Compliance Officer
Legal Counsel
Consumer Banking Manager
Retail Banking Officer
Financial Services Manager
Risk Assessment Officer
Customer Service Representative
Credit Analysis Manager
Banking Operations Manager
Consumer Rights Officer
Regulatory Compliance Manager
Credit Administration Officer
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