Tiste države članice, v katerih so tiho sprejete prekoračitve pozitivnega stanja na računu dovoljene, zagotovijo, da je potrošnik obveščen o letnem odstotku obresti in stroških, ki se zaračunajo, ter o vsaki njihovi spremembi, kadar prekoračitev pozitivnega stanja na računu traja več kakor tri mesece.
In Member States where tacitly accepted overdrafts are permissible, the Member States concerned shall ensure that the consumer is informed of the annual rate of interest and the charges applicable, and of any amendment thereof, where the overdraft extends beyond a period of three months.