The credit contract must also contain similar information in a format similar to that of the pre-contract phase. The Regulation (EU) 2016/1011 amends the 2008/48/EC directive and requires the lender to mention the name of the repository and its administrator, as well as the potential effects on the consumer, in the pre-contract phase of the consumer credit contract, in which the credit contract refers to a benchmark. In the pre-contract phase, the lender must provide understandable information on the essential characteristics of the credit offered in a timely manner prior to the conclusion of the contract. This includes providing standard information based on a representative example of credit advertising that includes aspects related to the cost of credit (for example. B interest rate). among other things: PROVISIONS RELATING TO ENSENZU DER INSGESAMT CHARGE F-R CREDIT UND APR FORMS OF STATEMENT OF PROTECTION AND AVAILABLE REMEDIES UNDER THE CONSUMER CREDIT ACT 1974 TO DEBTORS UNDER REGULATED CONSUMER CREDIT AGREEMENTS TO BE CONTAINED IN DOCUMENTSING EMBODY A COMBINE CONSUMD CREDIT AGREEMENT AND PAWN-RECPT June 2008 and must, since 11 June 2008, include information in regulated consumer credit contracts.