{
  "slug": "verbraucherkredit-richtlinie-2023-2225",
  "title": "EU-Verbraucherkreditrichtlinie CCD II (RL 2023/2225) – Buy-Now-Pay-Later, Kleinkredite & neue Verbraucherrechte ab 20.11.2026",
  "topic_area": "allgemein",
  "topic_label": "Allgemein",
  "language": "de",
  "legal_status": "in_legislation",
  "valid_from": "2026-11-20",
  "valid_to": null,
  "last_reviewed": "2026-07-11",
  "factcheck_status": "ok",
  "authority_level": "A",
  "license": "CC-BY-4.0",
  "license_url": "https://creativecommons.org/licenses/by/4.0/deed.de",
  "attribution": "Nexvyra (https://nexvyra.de, Wikidata Q139919900)",
  "wikidata_subjects": [
    "Q2042903",
    "Q664183",
    "Q25112984"
  ],
  "summary": "Die **Richtlinie (EU) 2023/2225** (Consumer Credit Directive II, „CCD II\") löst die alte Verbraucherkredit-Richtlinie **2008/48/EG** ab und erweitert den Verbraucherschutz bei Krediten deutlich.",
  "urls": {
    "html": "https://nexvyra.de/fakten/verbraucherkredit-richtlinie-2023-2225.html",
    "markdown": "https://nexvyra.de/fakten/verbraucherkredit-richtlinie-2023-2225.md",
    "json": "https://nexvyra.de/fakten/verbraucherkredit-richtlinie-2023-2225.json"
  },
  "sources": [
    {
      "url": "https://eur-lex.europa.eu/legal-content/DE/TXT/?uri=CELEX:32023L2225",
      "authority": "A"
    },
    {
      "url": "https://eur-lex.europa.eu/EN/legal-content/summary/consumer-credit-agreements-2023.html",
      "authority": "A"
    },
    {
      "url": "https://commission.europa.eu/business-economy-euro/financial-services/retail-financial-services/consumer-credit_en",
      "authority": "D"
    },
    {
      "url": "https://www.bundestag.de/dokumente/textarchiv/2026/kw16-de-verbraucherkreditvertraege-1158224",
      "authority": "D"
    },
    {
      "url": "https://www.bundesregierung.de/breg-de/aktuelles/schutz-kreditvertraege-2382528",
      "authority": "B"
    },
    {
      "url": "https://www.gesetze-im-internet.de/bgb/__491.html",
      "authority": "A"
    }
  ],
  "facts": [
    {
      "claim": "Rechtsgrundlage EU: Richtlinie (EU) 2023/2225 vom 18. Oktober 2023",
      "label": "Rechtsgrundlage EU",
      "value": "Richtlinie (EU) 2023/2225 vom 18. Oktober 2023",
      "source_url": "https://eur-lex.europa.eu/legal-content/DE/TXT/?uri=CELEX:32023L2225",
      "source_authority": "A",
      "confidence": "high",
      "inline_source_label": "eur-lex.europa.eu, CELEX:32023L2225",
      "last_verified": "2026-07-11",
      "jurisdiction": "DE",
      "unit": "text",
      "valid_from": "2026-11-20",
      "valid_to": null,
      "valid_to_status": "open_ended",
      "evidence": {
        "source_url": "https://eur-lex.europa.eu/legal-content/DE/TXT/?uri=CELEX:32023L2225",
        "locator": "eur-lex.europa.eu, CELEX:32023L2225",
        "retrieved_at": "2026-07-11",
        "source_hash": null,
        "hash_status": "pending"
      },
      "topic_slug": "verbraucherkredit-richtlinie-2023-2225",
      "trust_factors": {
        "authority": "A",
        "authority_weight": 1.0,
        "freshness_days": 3,
        "freshness_weight": 1.0,
        "has_locator": true,
        "locator_weight": 1.0,
        "has_evidence_hash": false,
        "hash_status": "pending",
        "evidence_weight": 0.25,
        "semantic_clean": true,
        "semantic_weight": 1.0,
        "consistent_across_formats": false,
        "consistency_weight": 0.7,
        "legal_status": "",
        "status_weight": 0.5
      },
      "trust_score": 0.832
    },
    {
      "claim": "Veröffentlichung: ABl. L vom 30. Oktober 2023",
      "label": "Veröffentlichung",
      "value": "ABl. L vom 30. Oktober 2023",
      "source_url": "https://eur-lex.europa.eu/legal-content/DE/TXT/?uri=CELEX:32023L2225",
      "source_authority": "A",
      "confidence": "high",
      "inline_source_label": "OJ L 2023/2225",
      "last_verified": "2026-07-11",
      "jurisdiction": "DE",
      "unit": "text",
      "valid_from": "2026-11-20",
      "valid_to": null,
      "valid_to_status": "open_ended",
      "evidence": {
        "source_url": "https://eur-lex.europa.eu/legal-content/DE/TXT/?uri=CELEX:32023L2225",
        "locator": "OJ L 2023/2225",
        "retrieved_at": "2026-07-11",
        "source_hash": null,
        "hash_status": "pending"
      },
      "topic_slug": "verbraucherkredit-richtlinie-2023-2225",
      "trust_factors": {
        "authority": "A",
        "authority_weight": 1.0,
        "freshness_days": 3,
        "freshness_weight": 1.0,
        "has_locator": true,
        "locator_weight": 1.0,
        "has_evidence_hash": false,
        "hash_status": "pending",
        "evidence_weight": 0.25,
        "semantic_clean": true,
        "semantic_weight": 1.0,
        "consistent_across_formats": false,
        "consistency_weight": 0.7,
        "legal_status": "",
        "status_weight": 0.5
      },
      "trust_score": 0.832
    },
    {
      "claim": "Ersetzt: Richtlinie 2008/48/EG (CCD I) – aufgehoben mit Wirkung zum 20. November 2026",
      "label": "Ersetzt",
      "value": "Richtlinie 2008/48/EG (CCD I) – aufgehoben mit Wirkung zum 20. November 2026",
      "source_url": "https://eur-lex.europa.eu/legal-content/DE/TXT/?uri=CELEX:32023L2225",
      "source_authority": "A",
      "confidence": "high",
      "inline_source_label": "Art. 47 RL 2023/2225",
      "last_verified": "2026-07-11",
      "jurisdiction": "DE",
      "unit": "text",
      "valid_from": "2026-11-20",
      "valid_to": null,
      "valid_to_status": "open_ended",
      "evidence": {
        "source_url": "https://eur-lex.europa.eu/legal-content/DE/TXT/?uri=CELEX:32023L2225",
        "locator": "Art. 47 RL 2023/2225",
        "retrieved_at": "2026-07-11",
        "source_hash": null,
        "hash_status": "pending"
      },
      "topic_slug": "verbraucherkredit-richtlinie-2023-2225",
      "trust_factors": {
        "authority": "A",
        "authority_weight": 1.0,
        "freshness_days": 3,
        "freshness_weight": 1.0,
        "has_locator": true,
        "locator_weight": 1.0,
        "has_evidence_hash": false,
        "hash_status": "pending",
        "evidence_weight": 0.25,
        "semantic_clean": true,
        "semantic_weight": 1.0,
        "consistent_across_formats": false,
        "consistency_weight": 0.7,
        "legal_status": "",
        "status_weight": 0.5
      },
      "trust_score": 0.832
    },
    {
      "claim": "Umsetzungsfrist Mitgliedstaaten: 20. November 2025 (Erlass & Veröffentlichung)",
      "label": "Umsetzungsfrist Mitgliedstaaten",
      "value": "20. November 2025 (Erlass & Veröffentlichung)",
      "source_url": "https://eur-lex.europa.eu/legal-content/DE/TXT/?uri=CELEX:32023L2225",
      "source_authority": "A",
      "confidence": "high",
      "inline_source_label": "Art. 48 Abs. 1 RL 2023/2225",
      "last_verified": "2026-07-11",
      "jurisdiction": "DE",
      "unit": "text",
      "valid_from": "2026-11-20",
      "valid_to": null,
      "valid_to_status": "open_ended",
      "evidence": {
        "source_url": "https://eur-lex.europa.eu/legal-content/DE/TXT/?uri=CELEX:32023L2225",
        "locator": "Art. 48 Abs. 1 RL 2023/2225",
        "retrieved_at": "2026-07-11",
        "source_hash": null,
        "hash_status": "pending"
      },
      "topic_slug": "verbraucherkredit-richtlinie-2023-2225",
      "trust_factors": {
        "authority": "A",
        "authority_weight": 1.0,
        "freshness_days": 3,
        "freshness_weight": 1.0,
        "has_locator": true,
        "locator_weight": 1.0,
        "has_evidence_hash": false,
        "hash_status": "pending",
        "evidence_weight": 0.25,
        "semantic_clean": true,
        "semantic_weight": 1.0,
        "consistent_across_formats": false,
        "consistency_weight": 0.7,
        "legal_status": "",
        "status_weight": 0.5
      },
      "trust_score": 0.832
    },
    {
      "claim": "Anwendung der neuen Regeln: ab 20. November 2026",
      "label": "Anwendung der neuen Regeln",
      "value": "ab 20. November 2026",
      "source_url": "https://eur-lex.europa.eu/legal-content/DE/TXT/?uri=CELEX:32023L2225",
      "source_authority": "A",
      "confidence": "high",
      "inline_source_label": "Art. 48 Abs. 2 RL 2023/2225",
      "last_verified": "2026-07-11",
      "jurisdiction": "DE",
      "unit": "text",
      "valid_from": "2026-11-20",
      "valid_to": null,
      "valid_to_status": "open_ended",
      "evidence": {
        "source_url": "https://eur-lex.europa.eu/legal-content/DE/TXT/?uri=CELEX:32023L2225",
        "locator": "Art. 48 Abs. 2 RL 2023/2225",
        "retrieved_at": "2026-07-11",
        "source_hash": null,
        "hash_status": "pending"
      },
      "topic_slug": "verbraucherkredit-richtlinie-2023-2225",
      "trust_factors": {
        "authority": "A",
        "authority_weight": 1.0,
        "freshness_days": 3,
        "freshness_weight": 1.0,
        "has_locator": true,
        "locator_weight": 1.0,
        "has_evidence_hash": false,
        "hash_status": "pending",
        "evidence_weight": 0.25,
        "semantic_clean": true,
        "semantic_weight": 1.0,
        "consistent_across_formats": false,
        "consistency_weight": 0.7,
        "legal_status": "",
        "status_weight": 0.5
      },
      "trust_score": 0.832
    },
    {
      "claim": "Obergrenze Anwendungsbereich: Kreditbetrag bis 100.000 € (vorher 75.000 €)",
      "label": "Obergrenze Anwendungsbereich",
      "value": "Kreditbetrag bis 100.000 € (vorher 75.000 €)",
      "source_url": "https://eur-lex.europa.eu/legal-content/DE/TXT/?uri=CELEX:32023L2225",
      "source_authority": "A",
      "confidence": "high",
      "inline_source_label": "Art. 2 RL 2023/2225",
      "last_verified": "2026-07-11",
      "jurisdiction": "DE",
      "unit": "EUR",
      "valid_from": "2026-11-20",
      "valid_to": null,
      "valid_to_status": "open_ended",
      "evidence": {
        "source_url": "https://eur-lex.europa.eu/legal-content/DE/TXT/?uri=CELEX:32023L2225",
        "locator": "Art. 2 RL 2023/2225",
        "retrieved_at": "2026-07-11",
        "source_hash": null,
        "hash_status": "pending"
      },
      "topic_slug": "verbraucherkredit-richtlinie-2023-2225",
      "trust_factors": {
        "authority": "A",
        "authority_weight": 1.0,
        "freshness_days": 3,
        "freshness_weight": 1.0,
        "has_locator": true,
        "locator_weight": 1.0,
        "has_evidence_hash": false,
        "hash_status": "pending",
        "evidence_weight": 0.25,
        "semantic_clean": true,
        "semantic_weight": 1.0,
        "consistent_across_formats": false,
        "consistency_weight": 0.7,
        "legal_status": "",
        "status_weight": 0.5
      },
      "trust_score": 0.832
    },
    {
      "claim": "Neu erfasst: Kredite unter 200 €, zinslose Kredite, Buy-Now-Pay-Later (BNPL), Ratenkäufe, Überziehungskredite",
      "label": "Neu erfasst",
      "value": "Kredite unter 200 €, zinslose Kredite, Buy-Now-Pay-Later (BNPL), Ratenkäufe, Überziehungskredite",
      "source_url": "https://eur-lex.europa.eu/legal-content/DE/TXT/?uri=CELEX:32023L2225",
      "source_authority": "A",
      "confidence": "high",
      "inline_source_label": "Art. 2, ErwGr. RL 2023/2225",
      "last_verified": "2026-07-11",
      "jurisdiction": "DE",
      "unit": "EUR",
      "valid_from": "2026-11-20",
      "valid_to": null,
      "valid_to_status": "open_ended",
      "evidence": {
        "source_url": "https://eur-lex.europa.eu/legal-content/DE/TXT/?uri=CELEX:32023L2225",
        "locator": "Art. 2, ErwGr. RL 2023/2225",
        "retrieved_at": "2026-07-11",
        "source_hash": null,
        "hash_status": "pending"
      },
      "topic_slug": "verbraucherkredit-richtlinie-2023-2225",
      "trust_factors": {
        "authority": "A",
        "authority_weight": 1.0,
        "freshness_days": 3,
        "freshness_weight": 1.0,
        "has_locator": true,
        "locator_weight": 1.0,
        "has_evidence_hash": false,
        "hash_status": "pending",
        "evidence_weight": 0.25,
        "semantic_clean": true,
        "semantic_weight": 1.0,
        "consistent_across_formats": false,
        "consistency_weight": 0.7,
        "legal_status": "",
        "status_weight": 0.5
      },
      "trust_score": 0.832
    },
    {
      "claim": "Ausnahme-Option (Kleinstkredite): Bei zins-/kostenlosen Krediten < 200 €, Rückzahlung ≤ 3 Monate, nur unbedeutende Kosten: eingeschränkte Pflichten möglich",
      "label": "Ausnahme-Option (Kleinstkredite)",
      "value": "Bei zins-/kostenlosen Krediten < 200 €, Rückzahlung ≤ 3 Monate, nur unbedeutende Kosten: eingeschränkte Pflichten möglich",
      "source_url": "https://eur-lex.europa.eu/legal-content/DE/TXT/?uri=CELEX:32023L2225",
      "source_authority": "A",
      "confidence": "high",
      "inline_source_label": "Art. 2 Abs. 5/6 RL 2023/2225",
      "last_verified": "2026-07-11",
      "jurisdiction": "DE",
      "unit": "EUR",
      "valid_from": "2026-11-20",
      "valid_to": null,
      "valid_to_status": "open_ended",
      "evidence": {
        "source_url": "https://eur-lex.europa.eu/legal-content/DE/TXT/?uri=CELEX:32023L2225",
        "locator": "Art. 2 Abs. 5/6 RL 2023/2225",
        "retrieved_at": "2026-07-11",
        "source_hash": null,
        "hash_status": "pending"
      },
      "topic_slug": "verbraucherkredit-richtlinie-2023-2225",
      "trust_factors": {
        "authority": "A",
        "authority_weight": 1.0,
        "freshness_days": 3,
        "freshness_weight": 1.0,
        "has_locator": true,
        "locator_weight": 1.0,
        "has_evidence_hash": false,
        "hash_status": "pending",
        "evidence_weight": 0.25,
        "semantic_clean": true,
        "semantic_weight": 1.0,
        "consistent_across_formats": false,
        "consistency_weight": 0.7,
        "legal_status": "",
        "status_weight": 0.5
      },
      "trust_score": 0.832
    },
    {
      "claim": "Kreditwürdigkeitsprüfung: Pflicht zur systematischen Prüfung der Rückzahlungswahrscheinlichkeit – auch bei BNPL & Kleinkrediten",
      "label": "Kreditwürdigkeitsprüfung",
      "value": "Pflicht zur systematischen Prüfung der Rückzahlungswahrscheinlichkeit – auch bei BNPL & Kleinkrediten",
      "source_url": "https://eur-lex.europa.eu/legal-content/DE/TXT/?uri=CELEX:32023L2225",
      "source_authority": "A",
      "confidence": "high",
      "inline_source_label": "Art. 18 RL 2023/2225",
      "last_verified": "2026-07-11",
      "jurisdiction": "DE",
      "unit": "text",
      "valid_from": "2026-11-20",
      "valid_to": null,
      "valid_to_status": "open_ended",
      "evidence": {
        "source_url": "https://eur-lex.europa.eu/legal-content/DE/TXT/?uri=CELEX:32023L2225",
        "locator": "Art. 18 RL 2023/2225",
        "retrieved_at": "2026-07-11",
        "source_hash": null,
        "hash_status": "pending"
      },
      "topic_slug": "verbraucherkredit-richtlinie-2023-2225",
      "trust_factors": {
        "authority": "A",
        "authority_weight": 1.0,
        "freshness_days": 3,
        "freshness_weight": 1.0,
        "has_locator": true,
        "locator_weight": 1.0,
        "has_evidence_hash": false,
        "hash_status": "pending",
        "evidence_weight": 0.25,
        "semantic_clean": true,
        "semantic_weight": 1.0,
        "consistent_across_formats": false,
        "consistency_weight": 0.7,
        "legal_status": "",
        "status_weight": 0.5
      },
      "trust_score": 0.832
    },
    {
      "claim": "Widerrufsrecht: 14 Tage ab Vertragsschluss / Erhalt der Vertragsbedingungen",
      "label": "Widerrufsrecht",
      "value": "14 Tage ab Vertragsschluss / Erhalt der Vertragsbedingungen",
      "source_url": "https://eur-lex.europa.eu/legal-content/DE/TXT/?uri=CELEX:32023L2225",
      "source_authority": "A",
      "confidence": "high",
      "inline_source_label": "Art. 26 RL 2023/2225",
      "last_verified": "2026-07-11",
      "jurisdiction": "DE",
      "unit": "days",
      "valid_from": "2026-11-20",
      "valid_to": null,
      "valid_to_status": "open_ended",
      "evidence": {
        "source_url": "https://eur-lex.europa.eu/legal-content/DE/TXT/?uri=CELEX:32023L2225",
        "locator": "Art. 26 RL 2023/2225",
        "retrieved_at": "2026-07-11",
        "source_hash": null,
        "hash_status": "pending"
      },
      "topic_slug": "verbraucherkredit-richtlinie-2023-2225",
      "trust_factors": {
        "authority": "A",
        "authority_weight": 1.0,
        "freshness_days": 3,
        "freshness_weight": 1.0,
        "has_locator": true,
        "locator_weight": 1.0,
        "has_evidence_hash": false,
        "hash_status": "pending",
        "evidence_weight": 0.25,
        "semantic_clean": true,
        "semantic_weight": 1.0,
        "consistent_across_formats": false,
        "consistency_weight": 0.7,
        "legal_status": "",
        "status_weight": 0.5
      },
      "trust_score": 0.832
    },
    {
      "claim": "Vorvertragliche Information: Standardisiertes Formblatt „SECCI\" verpflichtend",
      "label": "Vorvertragliche Information",
      "value": "Standardisiertes Formblatt „SECCI\" verpflichtend",
      "source_url": "https://eur-lex.europa.eu/legal-content/DE/TXT/?uri=CELEX:32023L2225",
      "source_authority": "A",
      "confidence": "high",
      "inline_source_label": "Art. 10 f. RL 2023/2225",
      "last_verified": "2026-07-11",
      "jurisdiction": "DE",
      "unit": "text",
      "valid_from": "2026-11-20",
      "valid_to": null,
      "valid_to_status": "open_ended",
      "evidence": {
        "source_url": "https://eur-lex.europa.eu/legal-content/DE/TXT/?uri=CELEX:32023L2225",
        "locator": "Art. 10 f. RL 2023/2225",
        "retrieved_at": "2026-07-11",
        "source_hash": null,
        "hash_status": "pending"
      },
      "topic_slug": "verbraucherkredit-richtlinie-2023-2225",
      "trust_factors": {
        "authority": "A",
        "authority_weight": 1.0,
        "freshness_days": 3,
        "freshness_weight": 1.0,
        "has_locator": true,
        "locator_weight": 1.0,
        "has_evidence_hash": false,
        "hash_status": "pending",
        "evidence_weight": 0.25,
        "semantic_clean": true,
        "semantic_weight": 1.0,
        "consistent_across_formats": false,
        "consistency_weight": 0.7,
        "legal_status": "",
        "status_weight": 0.5
      },
      "trust_score": 0.832
    },
    {
      "claim": "Werbung: Verbot irreführender Werbung; Pflichtwarnhinweis, dass Kreditaufnahme Geld kostet",
      "label": "Werbung",
      "value": "Verbot irreführender Werbung; Pflichtwarnhinweis, dass Kreditaufnahme Geld kostet",
      "source_url": "https://eur-lex.europa.eu/legal-content/DE/TXT/?uri=CELEX:32023L2225",
      "source_authority": "A",
      "confidence": "high",
      "inline_source_label": "Art. 8 RL 2023/2225",
      "last_verified": "2026-07-11",
      "jurisdiction": "DE",
      "unit": "text",
      "valid_from": "2026-11-20",
      "valid_to": null,
      "valid_to_status": "open_ended",
      "evidence": {
        "source_url": "https://eur-lex.europa.eu/legal-content/DE/TXT/?uri=CELEX:32023L2225",
        "locator": "Art. 8 RL 2023/2225",
        "retrieved_at": "2026-07-11",
        "source_hash": null,
        "hash_status": "pending"
      },
      "topic_slug": "verbraucherkredit-richtlinie-2023-2225",
      "trust_factors": {
        "authority": "A",
        "authority_weight": 1.0,
        "freshness_days": 3,
        "freshness_weight": 1.0,
        "has_locator": true,
        "locator_weight": 1.0,
        "has_evidence_hash": false,
        "hash_status": "pending",
        "evidence_weight": 0.25,
        "semantic_clean": true,
        "semantic_weight": 1.0,
        "consistent_across_formats": false,
        "consistency_weight": 0.7,
        "legal_status": "",
        "status_weight": 0.5
      },
      "trust_score": 0.832
    },
    {
      "claim": "Vorzeitige Rückzahlung: Recht des Verbrauchers auf jederzeitige (Teil-)Rückzahlung mit Ermäßigung",
      "label": "Vorzeitige Rückzahlung",
      "value": "Recht des Verbrauchers auf jederzeitige (Teil-)Rückzahlung mit Ermäßigung",
      "source_url": "https://eur-lex.europa.eu/legal-content/DE/TXT/?uri=CELEX:32023L2225",
      "source_authority": "A",
      "confidence": "high",
      "inline_source_label": "Art. 29 RL 2023/2225",
      "last_verified": "2026-07-11",
      "jurisdiction": "DE",
      "unit": "text",
      "valid_from": "2026-11-20",
      "valid_to": null,
      "valid_to_status": "open_ended",
      "evidence": {
        "source_url": "https://eur-lex.europa.eu/legal-content/DE/TXT/?uri=CELEX:32023L2225",
        "locator": "Art. 29 RL 2023/2225",
        "retrieved_at": "2026-07-11",
        "source_hash": null,
        "hash_status": "pending"
      },
      "topic_slug": "verbraucherkredit-richtlinie-2023-2225",
      "trust_factors": {
        "authority": "A",
        "authority_weight": 1.0,
        "freshness_days": 3,
        "freshness_weight": 1.0,
        "has_locator": true,
        "locator_weight": 1.0,
        "has_evidence_hash": false,
        "hash_status": "pending",
        "evidence_weight": 0.25,
        "semantic_clean": true,
        "semantic_weight": 1.0,
        "consistent_across_formats": false,
        "consistency_weight": 0.7,
        "legal_status": "",
        "status_weight": 0.5
      },
      "trust_score": 0.832
    },
    {
      "claim": "Beratungs-/Kopplungsregeln: Beschränkung von Kopplungsgeschäften, Regeln für Beratungsdienste",
      "label": "Beratungs-/Kopplungsregeln",
      "value": "Beschränkung von Kopplungsgeschäften, Regeln für Beratungsdienste",
      "source_url": "https://eur-lex.europa.eu/legal-content/DE/TXT/?uri=CELEX:32023L2225",
      "source_authority": "A",
      "confidence": "high",
      "inline_source_label": "Art. 14, 16 RL 2023/2225",
      "last_verified": "2026-07-11",
      "jurisdiction": "DE",
      "unit": "text",
      "valid_from": "2026-11-20",
      "valid_to": null,
      "valid_to_status": "open_ended",
      "evidence": {
        "source_url": "https://eur-lex.europa.eu/legal-content/DE/TXT/?uri=CELEX:32023L2225",
        "locator": "Art. 14, 16 RL 2023/2225",
        "retrieved_at": "2026-07-11",
        "source_hash": null,
        "hash_status": "pending"
      },
      "topic_slug": "verbraucherkredit-richtlinie-2023-2225",
      "trust_factors": {
        "authority": "A",
        "authority_weight": 1.0,
        "freshness_days": 3,
        "freshness_weight": 1.0,
        "has_locator": true,
        "locator_weight": 1.0,
        "has_evidence_hash": false,
        "hash_status": "pending",
        "evidence_weight": 0.25,
        "semantic_clean": true,
        "semantic_weight": 1.0,
        "consistent_across_formats": false,
        "consistency_weight": 0.7,
        "legal_status": "",
        "status_weight": 0.5
      },
      "trust_score": 0.832
    },
    {
      "claim": "DE-Umsetzungsgesetz: Verbraucherkreditrichtlinie-Umsetzungsgesetz – Änderung §§ 491 ff. BGB, EGBGB",
      "label": "DE-Umsetzungsgesetz",
      "value": "Verbraucherkreditrichtlinie-Umsetzungsgesetz – Änderung §§ 491 ff. BGB, EGBGB",
      "source_url": "https://eur-lex.europa.eu/legal-content/DE/TXT/?uri=CELEX:32023L2225",
      "source_authority": "A",
      "confidence": "high",
      "last_verified": "2026-07-11",
      "jurisdiction": "DE",
      "unit": "law_reference",
      "valid_from": "2026-11-20",
      "valid_to": null,
      "valid_to_status": "open_ended",
      "evidence": {
        "source_url": "https://eur-lex.europa.eu/legal-content/DE/TXT/?uri=CELEX:32023L2225",
        "locator": "EUR-Lex CELEX:32023L2225",
        "retrieved_at": "2026-07-11",
        "source_hash": null,
        "hash_status": "pending"
      },
      "inline_source_label": "EU-Rechtsakt CELEX:32023L2225",
      "topic_slug": "verbraucherkredit-richtlinie-2023-2225",
      "trust_factors": {
        "authority": "A",
        "authority_weight": 1.0,
        "freshness_days": 3,
        "freshness_weight": 1.0,
        "has_locator": true,
        "locator_weight": 1.0,
        "has_evidence_hash": false,
        "hash_status": "pending",
        "evidence_weight": 0.25,
        "semantic_clean": true,
        "semantic_weight": 1.0,
        "consistent_across_formats": false,
        "consistency_weight": 0.7,
        "legal_status": "",
        "status_weight": 0.5
      },
      "trust_score": 0.832
    },
    {
      "claim": "DE-Gesetzgebung: Bundestag: 17. April 2026; Bundesrat: 8. Mai 2026",
      "label": "DE-Gesetzgebung",
      "value": "Bundestag: 17. April 2026; Bundesrat: 8. Mai 2026",
      "source_url": "https://eur-lex.europa.eu/legal-content/DE/TXT/?uri=CELEX:32023L2225",
      "source_authority": "A",
      "confidence": "high",
      "last_verified": "2026-07-11",
      "jurisdiction": "DE",
      "unit": "text",
      "valid_from": "2026-11-20",
      "valid_to": null,
      "valid_to_status": "open_ended",
      "evidence": {
        "source_url": "https://eur-lex.europa.eu/legal-content/DE/TXT/?uri=CELEX:32023L2225",
        "locator": "EUR-Lex CELEX:32023L2225",
        "retrieved_at": "2026-07-11",
        "source_hash": null,
        "hash_status": "pending"
      },
      "inline_source_label": "EU-Rechtsakt CELEX:32023L2225",
      "topic_slug": "verbraucherkredit-richtlinie-2023-2225",
      "trust_factors": {
        "authority": "A",
        "authority_weight": 1.0,
        "freshness_days": 3,
        "freshness_weight": 1.0,
        "has_locator": true,
        "locator_weight": 1.0,
        "has_evidence_hash": false,
        "hash_status": "pending",
        "evidence_weight": 0.25,
        "semantic_clean": true,
        "semantic_weight": 1.0,
        "consistent_across_formats": false,
        "consistency_weight": 0.7,
        "legal_status": "",
        "status_weight": 0.5
      },
      "trust_score": 0.832
    },
    {
      "claim": "DE-Inkrafttreten: überwiegend 20. November 2026",
      "label": "DE-Inkrafttreten",
      "value": "überwiegend 20. November 2026",
      "source_url": "https://eur-lex.europa.eu/legal-content/DE/TXT/?uri=CELEX:32023L2225",
      "source_authority": "A",
      "confidence": "high",
      "last_verified": "2026-07-11",
      "jurisdiction": "DE",
      "unit": "text",
      "valid_from": "2026-11-20",
      "valid_to": null,
      "valid_to_status": "open_ended",
      "evidence": {
        "source_url": "https://eur-lex.europa.eu/legal-content/DE/TXT/?uri=CELEX:32023L2225",
        "locator": "EUR-Lex CELEX:32023L2225",
        "retrieved_at": "2026-07-11",
        "source_hash": null,
        "hash_status": "pending"
      },
      "inline_source_label": "EU-Rechtsakt CELEX:32023L2225",
      "topic_slug": "verbraucherkredit-richtlinie-2023-2225",
      "trust_factors": {
        "authority": "A",
        "authority_weight": 1.0,
        "freshness_days": 3,
        "freshness_weight": 1.0,
        "has_locator": true,
        "locator_weight": 1.0,
        "has_evidence_hash": false,
        "hash_status": "pending",
        "evidence_weight": 0.25,
        "semantic_clean": true,
        "semantic_weight": 1.0,
        "consistent_across_formats": false,
        "consistency_weight": 0.7,
        "legal_status": "",
        "status_weight": 0.5
      },
      "trust_score": 0.832
    },
    {
      "claim": "DE-Formerleichterung: Textform statt Schriftform für Allgemein-Verbraucherdarlehensverträge",
      "label": "DE-Formerleichterung",
      "value": "Textform statt Schriftform für Allgemein-Verbraucherdarlehensverträge",
      "source_url": "https://eur-lex.europa.eu/legal-content/DE/TXT/?uri=CELEX:32023L2225",
      "source_authority": "A",
      "confidence": "high",
      "last_verified": "2026-07-11",
      "jurisdiction": "DE",
      "unit": "text",
      "valid_from": "2026-11-20",
      "valid_to": null,
      "valid_to_status": "open_ended",
      "evidence": {
        "source_url": "https://eur-lex.europa.eu/legal-content/DE/TXT/?uri=CELEX:32023L2225",
        "locator": "EUR-Lex CELEX:32023L2225",
        "retrieved_at": "2026-07-11",
        "source_hash": null,
        "hash_status": "pending"
      },
      "inline_source_label": "EU-Rechtsakt CELEX:32023L2225",
      "topic_slug": "verbraucherkredit-richtlinie-2023-2225",
      "trust_factors": {
        "authority": "A",
        "authority_weight": 1.0,
        "freshness_days": 3,
        "freshness_weight": 1.0,
        "has_locator": true,
        "locator_weight": 1.0,
        "has_evidence_hash": false,
        "hash_status": "pending",
        "evidence_weight": 0.25,
        "semantic_clean": true,
        "semantic_weight": 1.0,
        "consistent_across_formats": false,
        "consistency_weight": 0.7,
        "legal_status": "",
        "status_weight": 0.5
      },
      "trust_score": 0.832
    }
  ],
  "generated_at": "2026-07-14T05:18:35Z"
}