Prepared by the Luxembourg Bankers’ Association (ABBL) in collaboration with its member banks, this simplified information sheet explains how a credit secured by financial instruments works in clear and accessible language. Developed under the Luxembourg law of 8 March 2023 on the accessibility of products and services, it outlines the key features of this type of lending, including pre-contractual information, collateral requirements, interest rates, repayment options, consumer rights, and the main risks associated with using financial assets as security for a loan. The document also includes a glossary of key banking terms to support financial literacy and accessibility.
