{"id":14407,"date":"2026-05-08T15:57:11","date_gmt":"2026-05-08T13:57:11","guid":{"rendered":"https:\/\/fino.group\/new-rules-new-opportunities-what-ccd2-really-means-for-banks-credit-intermediaries-and-borrowers\/"},"modified":"2026-05-11T12:56:32","modified_gmt":"2026-05-11T10:56:32","slug":"ccd2-banks-credit-brokers","status":"publish","type":"post","link":"https:\/\/fino.group\/en\/ccd2-banks-credit-brokers\/","title":{"rendered":"New Rules, New Opportunities: What CCD2 Really Means for Banks, Credit Intermediaries, and Borrowers"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"14407\" class=\"elementor elementor-14407 elementor-14395\" data-elementor-settings=\"{&quot;ha_cmc_init_switcher&quot;:&quot;no&quot;}\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a0fe4d0 e-flex e-con-boxed e-con e-parent\" data-id=\"a0fe4d0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b2747b6 elementor-widget elementor-widget-text-editor\" data-id=\"b2747b6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em><strong>The new Consumer Credit Directive is coming \u2014 and it changes how loans may be granted and assessed.<\/strong><\/em><\/p><p>From November 20, 2026, Germany&#8217;s new Consumer Credit Directive CCD2 (Consumer Credit Directive 2) comes into effect, establishing a legal framework that fundamentally restructures lending across Europe. For banks and credit intermediaries, this is not a warning signal \u2014 it&#8217;s a starting point: those who consistently implement the directive&#8217;s requirements gain legal certainty, trust, and competitive advantage.<\/p><p>The core of the directive is clear: loans may only be granted if the assessment shows that the consumer is highly likely to meet their obligations \u2014 including small loans. This requirement sounds straightforward \u2014 but in practice it means that many existing processes need to be reviewed. Those who still rely exclusively on backward-looking credit scores may no longer be providing a sufficiently robust basis for decision-making.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c8c01da elementor-widget elementor-widget-heading\" data-id=\"c8c01da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What changes with CCD2? The key new requirements <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1cbe6ba elementor-widget elementor-widget-text-editor\" data-id=\"1cbe6ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The directive replaces the previous Consumer Credit Directive from 2008 and responds to today&#8217;s digital reality.<\/p>\n<p>The key changes at a glance:<\/p>\n<ul>\n<li><strong>Extended scope:<\/strong> CCD2 now covers small loans from \u20ac200 for the first time, interest- and fee-free loans, short-term loans of up to three months, as well as Buy Now Pay Later (BNPL) models and overdraft facilities.<\/li>\n<li><strong>Clear communication:<\/strong> Lenders must ensure that all credit terms are communicated transparently and comprehensibly before the contract is concluded.<\/li>\n<li><strong>Stricter creditworthiness assessment:<\/strong> Loans may only be granted if the assessment shows that the consumer is highly likely to meet their obligations \u2014 proportionate to the type of loan, documented, and audit-proof.<\/li>\n<li><strong>Transparency in credit decisions:<\/strong> Consumers have the right to an explanation when an algorithm evaluates or rejects their application. Providers must disclose which data is used and how it influences the decision.<\/li>\n<li><strong>Ban on social media data:<\/strong> Data from social networks may not be used for creditworthiness assessments.<\/li>\n<li><strong>Digital contract process:<\/strong> Text form instead of written form enables fully digital contract conclusions without a qualified electronic signature.<\/li>\n<li><strong>Conduct obligations and remuneration rules:<\/strong> The remuneration of credit intermediaries may no longer depend on the loan volume or the number of approved applications.<\/li>\n<li><strong>Debt counseling and forbearance:<\/strong> In cases of payment difficulties, lenders must actively review relief measures \u2014 deferral, restructuring, interest reduction \u2014 and refer borrowers to counseling services.<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-814cd5d elementor-widget elementor-widget-heading\" data-id=\"814cd5d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What changes for lenders and borrowers?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d5aa1a0 elementor-widget elementor-widget-text-editor\" data-id=\"d5aa1a0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>For banks and credit intermediaries, CCD2 is first and foremost an operational challenge: product portfolios must be reviewed, IT systems adapted, and contract processes digitized. The creditworthiness assessment is a particular focus \u2014 it must be documented, explainable, and proportionate. Those using automated procedures must make them auditable. Those who have relied on simple credit score queries will need a validatable and standardized data foundation.   <\/p><p>For borrowers, CCD2 means more protection and greater fairness: they receive more transparent information before signing a contract, a limited right of withdrawal, and \u2014 for the first time \u2014 a reason for rejection along with a referral to debt counseling. The directive strengthens trust in the credit market and protects against over-indebtedness \u2014 especially at a time when BNPL and digital small loans are part of everyday life. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4947820 elementor-widget elementor-widget-heading\" data-id=\"4947820\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why traditional scoring models alone are no longer sufficient<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b5b54c elementor-widget elementor-widget-text-editor\" data-id=\"2b5b54c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Traditional scoring models such as Schufa credit checks are a proven tool \u2014 but one that looks into the past. Score-based reports condense historical credit data into a single metric. This is useful, but often provides an incomplete picture of a person&#8217;s current financial situation.  <\/p><p>A typical example: A 28-year-old full-time employee who has paid her rent on time for years, never uses her overdraft, and has deliberately avoided installment purchases \u2014 managing her finances exemplarily. Yet this is exactly what can work against her in traditional scoring: those who have built up little credit history provide too few data points for the scoring model. Transaction data analysis, on the other hand, looks at the account and immediately recognizes: stable income, low expenditure surplus, no payment disruptions whatsoever. CCD2 requires lenders to include relevant, up-to-date information \u2014 income, expenses, and financial obligations \u2014 in their assessments. Traditional scoring alone will frequently no longer meet this standard.    <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-34f46ae elementor-widget elementor-widget-heading\" data-id=\"34f46ae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">AI-based account analysis: The missing dimension in creditworthiness assessment<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b46cfb0 elementor-widget elementor-widget-text-editor\" data-id=\"b46cfb0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>This is exactly where fino digital&#8217;s account analysis comes in as an Open Finance solution. With the borrower&#8217;s explicit consent, it analyzes actual account transactions \u2014 automated, precise, and in real time. What becomes visible complements the traditional score with crucial information:  <\/p><ul><li>Regular and stable income streams, such as salary, rental income, etc.<\/li><li>Ongoing financial obligations and contracts: existing loans and credits, leasing agreements, insurance contracts, rent, subscriptions<\/li><li>Available monthly surplus after all expenses and obligations<\/li><li>Early indicators of financial stress: returned direct debits, account overdrafts, irregular spending patterns<\/li><li>AI-based forecast of future payment capacity based on real behavioral data<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-536aeaf elementor-blockquote--skin-border elementor-widget elementor-widget-blockquote\" data-id=\"536aeaf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"blockquote.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<blockquote class=\"elementor-blockquote\">\n\t\t\t<p class=\"elementor-blockquote__content\">\n\t\t\t\t\"Those who still rely exclusively on backward-looking scores today are assessing creditworthiness with a tool from yesterday. Digital account analysis makes it possible to evaluate people based on their actual current financial situation \u2014 transparent, data-driven, and fair. This is not only what CCD2 demands; it is what responsible lending is all about.\"  \t\t\t<\/p>\n\t\t\t\t\t\t\t<div class=\"e-q-footer\">\n\t\t\t\t\t\t\t\t\t\t\t<cite class=\"elementor-blockquote__author\">Aleksandar Jeremic, CEO fino digital<\/cite>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/blockquote>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53339e2 elementor-widget elementor-widget-heading\" data-id=\"53339e2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Benefits for lenders: precision, compliance, and competitive advantage<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a1ec049 elementor-widget elementor-widget-text-editor\" data-id=\"a1ec049\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>For banks and credit intermediaries, the use of automated account analysis in creditworthiness assessment offers concrete benefits:<\/p>\n<ul>\n<li><strong>CCD2 compliance by design:<\/strong> Account-based assessment provides a traceable, documented, and explainable decision-making foundation \u2014 exactly what the directive requires.<\/li>\n<li><strong>Better risk prediction and reduced default rates:<\/strong> Those who know a customer&#8217;s current situation make more precise default forecasts and can manage their portfolio more effectively.<\/li>\n<li><strong>Faster decisions:<\/strong> AI-based account analysis replaces manual document review, minimizes errors, and significantly accelerates the lending process for customers.<\/li>\n<li><strong>Unlocking new target groups:<\/strong> First-time jobholders, self-employed individuals, or newcomers without an extensive credit history can be assessed fairly based on current account data.<\/li>\n<li><strong>Competitive differentiation:<\/strong> Those who adopt modern scoring infrastructure early build a structural advantage \u2014 in quality, speed, and compliance.<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70f0162 elementor-widget elementor-widget-heading\" data-id=\"70f0162\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Benefits for borrowers: fairness, speed, and self-determination<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f95943 elementor-widget elementor-widget-text-editor\" data-id=\"7f95943\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>There are also benefits on the customer side:<\/p>\n<ul>\n<li><strong>Fairer assessment:<\/strong> Those who are solvent today are assessed as such \u2014 regardless of their past credit history.<\/li>\n<li><strong>Faster decisions:<\/strong> No long waiting times \u2014 the process runs digitally, transparently, and efficiently, with the option to supplement it with documents if needed.<\/li>\n<li><strong>Data sovereignty:<\/strong> Borrowers share their account data only with explicit consent and retain control over their own data.<\/li>\n<li><strong>Protection against over-indebtedness:<\/strong> Because financial resilience is assessed more precisely, the risk of receiving a loan that cannot be serviced in the long term decreases \u2014 reducing the danger of falling into over-indebtedness.<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fbff42b elementor-widget elementor-widget-heading\" data-id=\"fbff42b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Conclusion: CCD2 as the Starting Point for Better Credit Decisions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e79ca16 elementor-widget elementor-widget-text-editor\" data-id=\"e79ca16\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>CCD2 is not just a compliance exercise. It&#8217;s a call to fundamentally rethink lending \u2014 more data-driven, fairer, and more resilient. Traditional scoring models remain an important building block, but must be complemented by intelligent, digital analysis of account data to meet the demands of responsible and transparent credit decisions.  <\/p><p>At fino digital, we support banks and credit intermediaries with exactly that: Open Finance solutions based on verified real-time data, fully explainable, and seamlessly integrable into existing lending workflows. The technology is ready. The regulatory framework is in place. Now is the right time to act.   <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7a81820 e-con-full e-flex e-con e-child\" data-id=\"7a81820\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-979e710 elementor-widget elementor-widget-text-editor\" data-id=\"979e710\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Would you like to learn more about how fino digital can help you implement CCD2 requirements efficiently and in a compliance-secure way with digital scoring solutions?<\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53fb7fe elementor-widget elementor-widget-text-editor\" data-id=\"53fb7fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>We are happy to advise you on how creditworthiness assessments work in practice with innovative data analytics solutions \u2013 and what this means specifically for your loan process.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-917508a elementor-widget elementor-widget-button\" data-id=\"917508a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/fino.digital\/en\/contact\/\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">CONTACT US<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-099aa29 elementor-widget elementor-widget-template\" data-id=\"099aa29\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"section\" data-elementor-id=\"14400\" class=\"elementor elementor-14400\" data-elementor-settings=\"{&quot;ha_cmc_init_switcher&quot;:&quot;no&quot;}\" data-elementor-post-type=\"elementor_library\">\n\t\t\t<div class=\"elementor-element elementor-element-5fde53c e-con-full e-flex e-con e-child\" data-id=\"5fde53c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t<div class=\"elementor-element elementor-element-1921597 e-con-full e-flex e-con e-child\" data-id=\"1921597\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5820a23 elementor-widget elementor-widget-image\" data-id=\"5820a23\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"768\" height=\"768\" src=\"https:\/\/fino.group\/wp-content\/uploads\/2026\/05\/philipp_gecroppt-768x768.png\" class=\"attachment-medium_large size-medium_large wp-image-14402\" alt=\"Foto von Sales Manager Philipp Trinks\" srcset=\"https:\/\/fino.group\/wp-content\/uploads\/2026\/05\/philipp_gecroppt-768x768.png 768w, https:\/\/fino.group\/wp-content\/uploads\/2026\/05\/philipp_gecroppt-300x300.png 300w, https:\/\/fino.group\/wp-content\/uploads\/2026\/05\/philipp_gecroppt-1024x1024.png 1024w, https:\/\/fino.group\/wp-content\/uploads\/2026\/05\/philipp_gecroppt-150x150.png 150w, https:\/\/fino.group\/wp-content\/uploads\/2026\/05\/philipp_gecroppt.png 1524w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-44af3c0 e-con-full e-flex e-con e-child\" data-id=\"44af3c0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fbda03c elementor-widget elementor-widget-heading\" data-id=\"fbda03c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Philipp Trinks<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a940042 elementor-widget elementor-widget-text-editor\" data-id=\"a940042\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Sales Manager fino analytics<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0030295 elementor-shape-circle e-grid-align-left elementor-grid-0 elementor-widget elementor-widget-social-icons\" data-id=\"0030295\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"social-icons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-social-icons-wrapper elementor-grid\" role=\"list\">\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-linkedin elementor-repeater-item-62e81d1\" href=\"https:\/\/www.linkedin.com\/in\/philipp-t-2436a41a6\/\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Linkedin<\/span>\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-linkedin\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-envelope elementor-repeater-item-c10e11a\" href=\"mailto:%20philipp.trinks@fino.digital\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Envelope<\/span>\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-envelope\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>CCD2 \u2013 New Rules, New Opportunities. What the new Consumer Credit Directive really means for banks, credit intermediaries, and borrowers. <\/p>\n","protected":false},"author":22,"featured_media":14408,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9,96],"tags":[],"class_list":["post-14407","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-general","category-fintech-en"],"_links":{"self":[{"href":"https:\/\/fino.group\/en\/wp-json\/wp\/v2\/posts\/14407","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fino.group\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fino.group\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fino.group\/en\/wp-json\/wp\/v2\/users\/22"}],"replies":[{"embeddable":true,"href":"https:\/\/fino.group\/en\/wp-json\/wp\/v2\/comments?post=14407"}],"version-history":[{"count":0,"href":"https:\/\/fino.group\/en\/wp-json\/wp\/v2\/posts\/14407\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fino.group\/en\/wp-json\/wp\/v2\/media\/14408"}],"wp:attachment":[{"href":"https:\/\/fino.group\/en\/wp-json\/wp\/v2\/media?parent=14407"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fino.group\/en\/wp-json\/wp\/v2\/categories?post=14407"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fino.group\/en\/wp-json\/wp\/v2\/tags?post=14407"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}