All Countries
Banking
Regulated Credit Agreement

Regulated Credit Agreement Template for Netherlands

Create a bespoke document in minutes,  or upload and review your own.

4.6 / 5
4.8 / 5

Let's create your Regulated Credit Agreement

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

Get your first 2 documents free

Your data doesn't train Genie's AI

You keep IP ownership of your information

Key Requirements PROMPT example:

Regulated Credit Agreement

"I need a Regulated Credit Agreement under Dutch law for a consumer personal loan product with a maximum credit limit of €25,000, to be launched in March 2025, including options for both fixed and variable interest rates and early repayment provisions."

Celebrated by
Collaborations with
Investors
Document background
This Regulated Credit Agreement template is designed for use by licensed credit providers operating in the Netherlands when extending credit to consumers. The agreement incorporates all mandatory elements required under Dutch financial regulations, including the Wet op het financieel toezicht (Wft) and the Consumer Credit Directive Implementation Act. It contains essential provisions for interest calculation, repayment terms, borrower's rights, and mandatory disclosures, while ensuring compliance with Dutch consumer protection laws. This template should be used for any regulated consumer credit arrangement in the Netherlands, whether for personal loans, retail finance, or other consumer credit products. It includes all necessary regulatory disclosures, standardized information requirements, and statutory consumer rights provisions required by Dutch law.
Suggested Sections

1. Parties: Identification of the credit provider and the borrower(s), including full legal names and addresses

2. Background: Context of the credit agreement and purpose of the loan

3. Definitions: Definitions of key terms used throughout the agreement

4. Credit Facility Details: Principal amount, purpose, and key terms of the credit facility

5. Interest and APR: Interest rate, Annual Percentage Rate (APR), calculation method, and changes

6. Repayment Terms: Repayment schedule, installment amounts, and payment methods

7. Fees and Charges: All applicable fees, charges, and costs associated with the credit

8. Pre-contractual Information: Mandatory information as required by Dutch consumer credit regulations

9. Borrower's Rights: Right of withdrawal, early repayment rights, and other statutory rights

10. Events of Default: Circumstances constituting default and consequences

11. Representations and Warranties: Statements of fact and promises made by the borrower

12. Data Protection: GDPR compliance and data processing provisions

13. Governing Law and Jurisdiction: Confirmation of Dutch law application and jurisdiction

Optional Sections

1. Security: Required if the credit is secured against any assets

2. Insurance Requirements: Include if specific insurance is required as a condition of the credit

3. Co-signers: Include if there are guarantors or co-signers for the credit

4. Special Drawing Conditions: Include if the credit has specific conditions for drawdown

5. Specific Purpose Provisions: Include if the credit is for a specific purpose (e.g., auto finance, education)

6. Multiple Borrower Provisions: Include if there are multiple borrowers

7. Credit Intermediary Details: Required if a credit intermediary is involved in arranging the credit

Suggested Schedules

1. Repayment Schedule: Detailed schedule of repayment dates and amounts

2. Standard European Consumer Credit Information: Mandatory standardized information sheet

3. Fee Schedule: Detailed breakdown of all applicable fees and charges

4. Direct Debit Authorization: Authorization form for automatic payment collection

5. Right of Withdrawal Form: Standard form for exercising the right of withdrawal

6. Terms and Conditions: General terms and conditions of the credit provider

7. Security Documents: If applicable, documents relating to any security arrangements

Authors

Alex Denne

Head of Growth (Open Source Law) @ Genie AI | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

Linkedin in social icon imageX social icon image
alex.den.21@genieai.co
Relevant legal definitions
Agreement
Annual Percentage Rate (APR)
Applicable Law
Borrower
Business Day
Credit
Credit Facility
Credit Intermediary
Credit Provider
Default Interest
Direct Debit
Drawdown
Early Repayment
Event of Default
Fixed Interest Rate
GDPR/AVG
Interest Period
Interest Rate
Lender
Material Adverse Effect
Outstanding Amount
Payment Date
Pre-contractual Information
Principal Amount
Repayment Schedule
Right of Withdrawal
Security
Standard European Consumer Credit Information
Term
Total Amount Payable
Variable Interest Rate
Wft
Working Day
Relevant Industries

Banking

Consumer Finance

Financial Services

Retail Banking

Consumer Lending

FinTech

Credit Services

Mortgage Lending

Auto Finance

Personal Loans

Relevant Teams

Legal

Compliance

Risk Management

Consumer Lending

Retail Banking

Credit Administration

Product Development

Customer Service

Operations

Regulatory Affairs

Documentation

Relevant Roles

Credit Officer

Compliance Manager

Legal Counsel

Risk Manager

Consumer Finance Manager

Retail Banking Manager

Credit Risk Analyst

Regulatory Compliance Officer

Consumer Protection Officer

Financial Services Director

Credit Administration Manager

Contract Manager

Product Development Manager

Customer Service Manager

Industries
Dutch Civil Code (Burgerlijk Wetboek): The fundamental source of Dutch contract law, particularly Book 7A which contains provisions on credit agreements and consumer protection
Dutch Financial Supervision Act (Wet op het financieel toezicht - Wft): The main financial regulatory framework governing credit providers, including licensing requirements and conduct of business rules
Consumer Credit Directive Implementation Act (Wet implementatie richtlijn consumentenkrediet): Dutch implementation of the EU Consumer Credit Directive, containing specific requirements for consumer credit agreements
Credit Registration Act (Wet op het kredietregister): Regulates credit registration and reporting obligations for credit providers
GDPR/AVG (Algemene verordening gegevensbescherming): Regulates the processing of personal data in credit agreements and related activities
Dutch Money Laundering and Terrorist Financing Prevention Act (Wwft): Contains requirements for customer due diligence and transaction monitoring in financial services
AFM Guidelines on Consumer Credit: Regulatory guidance from the Dutch Financial Markets Authority (AFM) on consumer credit requirements and best practices
Mortgage Credit Directive Implementation Act: If the credit is secured against property, this implementation of EU Directive 2014/17/EU must be considered
Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

Find the exact document you need

Regulated Credit Agreement

Dutch law-governed Regulated Credit Agreement for consumer lending, incorporating mandatory regulatory requirements and consumer protection provisions.

find out more

Large Credit Agreement

Dutch law-governed credit facility agreement establishing terms for large-scale financing, incorporating local regulatory requirements and international banking standards.

find out more

Bank Credit Agreement

A Dutch law-governed agreement establishing terms and conditions for bank credit facilities, including loan terms, security arrangements, and compliance requirements.

find out more

Overfacility Agreement

A Dutch law-governed agreement establishing terms for a credit facility that permits borrowing beyond standard credit limits under specified conditions.

find out more

Unregulated Credit Agreement

A Dutch law credit agreement for commercial lending arrangements between sophisticated parties, structured outside consumer credit regulations.

find out more

Line Of Credit Contract

A Dutch law-governed agreement establishing a revolving credit facility between lender and borrower, detailing terms of borrowing, repayment, and security arrangements.

find out more

Money Lending Agreement

Dutch law-governed agreement establishing terms and conditions for money lending, including loan amount, interest, repayment terms, and regulatory compliance requirements.

find out more

Inter Credit Agreement

A Dutch law agreement governing credit arrangements between multiple lenders, establishing priorities and shared terms for multiple credit facilities.

find out more

Pro Forma Credit Agreement

A standardized credit facility agreement governed by Dutch law, establishing lending terms between financial institutions and borrowers in compliance with Dutch financial regulations.

find out more

Running Account Credit Agreement

Dutch law-governed agreement establishing a revolving credit facility between a credit provider and borrower, compliant with Dutch financial regulations and EU consumer credit provisions.

find out more

Instalment Credit Agreement

Dutch law agreement establishing terms for credit repayment in instalments, including payment schedule, interest rates, and party obligations.

find out more

Installment Credit Agreement

A Dutch law-governed agreement setting out terms for installment credit, including credit amount, interest rates, and repayment schedule, compliant with Dutch and EU regulations.

find out more

Letter Of Credit Loan Agreement

A Dutch law-governed agreement establishing a loan facility for issuing letters of credit, combining banking facility terms with letter of credit mechanisms.

find out more

Intercompany Credit Agreement

A Dutch law agreement establishing credit facility terms between affiliated companies within the same corporate group.

find out more

Credit Term Agreement

Dutch law-governed agreement establishing credit terms and conditions between lender and borrower, including facility amount, interest rates, and repayment terms.

find out more

Credit Service Agreement

Dutch law-governed agreement establishing terms for credit services provision, ensuring compliance with Dutch financial regulations and consumer protection laws.

find out more

Credit Default Swap Agreement

A Dutch law-governed agreement for transferring credit risk between parties, detailing credit protection terms and settlement procedures under both Dutch and EU regulatory frameworks.

find out more

Letter Of Credit Facility Agreement

A Dutch law-governed agreement establishing terms for a bank to issue letters of credit to a business entity, setting out facility limits, conditions, and operational procedures.

find out more

Commercial Credit Agreement

A Dutch law-governed agreement establishing terms and conditions for a commercial credit facility between a lender and borrower, including facility terms, obligations, and security arrangements.

find out more

Revolving Credit Facility Agreement

Dutch law-governed agreement establishing a revolving credit facility with flexible draw-down and repayment terms.

find out more

Term Loan Credit Agreement

Dutch law-governed agreement setting out terms and conditions for a term loan facility, including lending terms, security arrangements, and regulatory compliance requirements.

find out more

Supplier Credit Agreement

Dutch law-governed agreement establishing terms for supplier-extended credit facilities to business customers, including payment terms, security, and compliance requirements.

find out more

Letter Of Credit Reimbursement Agreement

A Dutch law-governed agreement establishing reimbursement terms between banks for letters of credit payments, aligned with Dutch banking regulations and international practices.

find out more

Home Equity Agreement

Dutch-law governed agreement allowing property owners to sell a portion of their home equity to investors in exchange for immediate capital.

find out more

Letter Of Credit Contract

A Dutch law-governed agreement establishing terms and conditions for documentary credit facilities in international trade transactions, subject to UCP 600 and Dutch banking regulations.

find out more

Creditor Agreement

Dutch law-governed agreement establishing credit arrangements between creditor(s) and debtor(s), including loan terms, security, and enforcement provisions.

find out more

Credit Note Agreement

A Dutch law-governed agreement establishing terms for issuing credit against previous invoices, ensuring compliance with Dutch tax and accounting requirements.

find out more

Revolving Line Of Credit Agreement

A Dutch law-governed agreement establishing a revolving credit facility between a lender and borrower, enabling flexible borrowing up to an agreed limit.

find out more

Revolving Promissory Note

A Dutch law-governed debt instrument establishing a revolving credit facility that allows for multiple draw-downs and repayments within a specified credit limit.

find out more

Employee Credit Card Agreement

A Dutch law-governed agreement establishing terms and conditions for employee use of company credit cards, including rights, responsibilities, and compliance requirements.

find out more

Consumer Credit Contract

Dutch law-compliant consumer credit agreement incorporating mandatory requirements under Dutch and EU regulations for consumer lending in the Netherlands.

find out more

Debt Forgiveness Agreement

A Dutch law-governed agreement that formally documents the cancellation of debt obligations between a creditor and debtor, including terms, conditions, and legal implications.

find out more

Money Lending Contract

Dutch law-governed agreement establishing terms and conditions for lending money, compliant with Dutch financial regulations and civil code requirements.

find out more

Letter Of Credit Agreement

Dutch law-governed agreement establishing terms for issuing letters of credit, incorporating UCP 600 and local banking regulations.

find out more

Credit Support Agreement

A Dutch law-governed agreement establishing collateral arrangements and obligations between parties in financial transactions, compliant with Netherlands financial regulations.

find out more

Consumer Credit Agreement

A Dutch law-governed Consumer Credit Agreement establishing terms and conditions for consumer lending, compliant with Dutch and EU regulations.

find out more

Trade Credit Agreement

A Dutch law-governed agreement establishing terms for trade credit provision between a credit provider and business customer, including credit limits, payment terms, and security arrangements.

find out more

Funds Transfer Agreement

Dutch law-governed agreement establishing terms and conditions for fund transfers, compliant with EU and Dutch financial regulations.

find out more

Credit Facilities Agreement

Dutch law-governed agreement establishing credit facilities between lender(s) and borrower(s), setting out terms for credit provision, security, and repayment obligations.

find out more

Senior Facilities Agreement

Dutch law-governed syndicated loan agreement establishing terms for senior debt facilities, including key financing terms, security arrangements, and regulatory requirements.

find out more

Line Of Credit Agreement

Dutch law-governed agreement establishing a revolving credit facility, setting out terms for borrowing, repayment, and ongoing obligations.

find out more

Credit Loan Agreement

A Dutch law-governed agreement establishing terms and conditions for a credit loan between a lender and borrower, including loan amount, interest, repayment terms, and security arrangements.

find out more

Revolving Credit Agreement

Dutch law-governed agreement establishing a revolving credit facility with flexible draw-down and repayment terms.

find out more

Credit Assignment Agreement

A Dutch law agreement documenting the transfer of credit rights from an existing creditor to a new creditor, complying with requirements under the Dutch Civil Code.

find out more

Download our whitepaper on the future of AI in Legal

By providing your email address you are consenting to our Privacy Notice.
Thank you for downloading our whitepaper. This should arrive in your inbox shortly. In the meantime, why not jump straight to a section that interests you here: https://www.genieai.co/our-research
Oops! Something went wrong while submitting the form.

Genie’s Security Promise

Genie is the safest place to draft. Here’s how we prioritise your privacy and security.

Your documents are private:

We do not train on your data; Genie’s AI improves independently

All data stored on Genie is private to your organisation

Your documents are protected:

Your documents are protected by ultra-secure 256-bit encryption

Our bank-grade security infrastructure undergoes regular external audits

We are ISO27001 certified, so your data is secure

Organizational security

You retain IP ownership of your documents

You have full control over your data and who gets to see it

Innovation in privacy:

Genie partnered with the Computational Privacy Department at Imperial College London

Together, we ran a £1 million research project on privacy and anonymity in legal contracts

Want to know more?

Visit our Trust Centre for more details and real-time security updates.

Read our Privacy Policy.