Yes, some of the information must come from the credit Institution, therefore it should be the obligation of the credit institution to provide the information to the consumer or where a credit intermediary is appointed, to the credit intermediary. The volume of required information contained within articles 10, 11, 12 and 38, could lead to information overload for consumers. To combat information overload guidance and templates should be issued when the CCD2 is transposed that outlines what type of information should be issued to each segment of borrowers. These templates should only contain the critical information that consumers require.