In the event of early repayment of credit the creditor will be entitled to fair and objectively justified compensation for possible costs directly linked to early repayment of credit provided that the early repayment falls within a period for which the borrowing rate is fixed.
Eiropas Parlaments 2004. gadā par direktīvas grozījumiem balsoja pirmā lasījumā, un bija vajadzīgi vēl trīs gadi, lai dalībvalstu ministri pieņemtu savu kopējo nostāju.