The requirements laid down in the Consumer Credit Directive have established a high standard of consumer protection in the field of consumer credit. The consumer credit market is highly competitive and offers consumers a wide choice of products and providers. In order not to restrict this choice excessively, any adjustments should be made with a sense of proportion and only where they have become necessary as a result of market developments – in particular digitalisation – or practical experience. Requirements are needed, in particular, to ensure that digital contracts are legally compliant and to harmonise and consolidate existing obligations with regard to (pre-)contractual information.