{
  "api_version": "v1",
  "generated_at": "2026-07-10T02:55:46.441Z",
  "attribution": "Source values are U.S. federal government works (public domain). Compiled by StatuteRates.",
  "license": "Compiled dataset offered for reference; values trace to official public-domain sources (see each record).",
  "data": {
    "generated_at": "2026-07-10T02:55:46.441Z",
    "slug": "eu-late-payment-reference",
    "name": "EU Late Payment Directive Reference Rate",
    "entity_type": "rate_series",
    "jurisdiction": "EU",
    "region": "European Union",
    "locale": null,
    "metadata": {
      "authority": "Directive 2011/7/EU",
      "basis": "ECB main refinancing rate on first day of half-year"
    },
    "metrics": [
      "annual_rate"
    ],
    "latest": {
      "annual_rate": {
        "metric": "annual_rate",
        "value": 2.4,
        "value_text": "2.4%",
        "unit": "percent_per_annum",
        "effective_date": "2026-07-01",
        "source_id": "ecb-mro",
        "source_url": "https://data-api.ecb.europa.eu/service/data/FM/B.U2.EUR.4F.KR.MRR_FR.LEV?format=csvdata&startPeriod=2015-01-01",
        "retrieved_at": "2026-07-10T02:55:46.418Z",
        "confidence": "medium",
        "method": "derived_eu_directive_2011_7_reference",
        "notes": "Derived: EU Late Payment Directive (2011/7/EU) reference rate = the ECB main refinancing rate in force on the first calendar day of the half-year (2026-07-01: 2.4%). A member state's statutory late-payment rate is this reference + at least 8 percentage points (e.g. 10.4% at the 8pp floor; some states add more — France +10, Germany +9). Reference, not legal advice."
      }
    },
    "history": {
      "annual_rate": [
        {
          "metric": "annual_rate",
          "value": 2.4,
          "value_text": "2.4%",
          "unit": "percent_per_annum",
          "effective_date": "2026-07-01",
          "source_id": "ecb-mro",
          "source_url": "https://data-api.ecb.europa.eu/service/data/FM/B.U2.EUR.4F.KR.MRR_FR.LEV?format=csvdata&startPeriod=2015-01-01",
          "retrieved_at": "2026-07-10T02:55:46.418Z",
          "confidence": "medium",
          "method": "derived_eu_directive_2011_7_reference",
          "notes": "Derived: EU Late Payment Directive (2011/7/EU) reference rate = the ECB main refinancing rate in force on the first calendar day of the half-year (2026-07-01: 2.4%). A member state's statutory late-payment rate is this reference + at least 8 percentage points (e.g. 10.4% at the 8pp floor; some states add more — France +10, Germany +9). Reference, not legal advice."
        },
        {
          "metric": "annual_rate",
          "value": 2.15,
          "value_text": "2.15%",
          "unit": "percent_per_annum",
          "effective_date": "2026-01-01",
          "source_id": "ecb-mro",
          "source_url": "https://data-api.ecb.europa.eu/service/data/FM/B.U2.EUR.4F.KR.MRR_FR.LEV?format=csvdata&startPeriod=2015-01-01",
          "retrieved_at": "2026-07-10T02:55:46.418Z",
          "confidence": "medium",
          "method": "derived_eu_directive_2011_7_reference",
          "notes": "Derived: EU Late Payment Directive (2011/7/EU) reference rate = the ECB main refinancing rate in force on the first calendar day of the half-year (2026-01-01: 2.15%). A member state's statutory late-payment rate is this reference + at least 8 percentage points (e.g. 10.15% at the 8pp floor; some states add more — France +10, Germany +9). Reference, not legal advice."
        },
        {
          "metric": "annual_rate",
          "value": 2.15,
          "value_text": "2.15%",
          "unit": "percent_per_annum",
          "effective_date": "2025-07-01",
          "source_id": "ecb-mro",
          "source_url": "https://data-api.ecb.europa.eu/service/data/FM/B.U2.EUR.4F.KR.MRR_FR.LEV?format=csvdata&startPeriod=2015-01-01",
          "retrieved_at": "2026-07-10T02:55:46.418Z",
          "confidence": "medium",
          "method": "derived_eu_directive_2011_7_reference",
          "notes": "Derived: EU Late Payment Directive (2011/7/EU) reference rate = the ECB main refinancing rate in force on the first calendar day of the half-year (2025-07-01: 2.15%). A member state's statutory late-payment rate is this reference + at least 8 percentage points (e.g. 10.15% at the 8pp floor; some states add more — France +10, Germany +9). Reference, not legal advice."
        },
        {
          "metric": "annual_rate",
          "value": 3.15,
          "value_text": "3.15%",
          "unit": "percent_per_annum",
          "effective_date": "2025-01-01",
          "source_id": "ecb-mro",
          "source_url": "https://data-api.ecb.europa.eu/service/data/FM/B.U2.EUR.4F.KR.MRR_FR.LEV?format=csvdata&startPeriod=2015-01-01",
          "retrieved_at": "2026-07-10T02:55:46.418Z",
          "confidence": "medium",
          "method": "derived_eu_directive_2011_7_reference",
          "notes": "Derived: EU Late Payment Directive (2011/7/EU) reference rate = the ECB main refinancing rate in force on the first calendar day of the half-year (2025-01-01: 3.15%). A member state's statutory late-payment rate is this reference + at least 8 percentage points (e.g. 11.15% at the 8pp floor; some states add more — France +10, Germany +9). Reference, not legal advice."
        },
        {
          "metric": "annual_rate",
          "value": 4.25,
          "value_text": "4.25%",
          "unit": "percent_per_annum",
          "effective_date": "2024-07-01",
          "source_id": "ecb-mro",
          "source_url": "https://data-api.ecb.europa.eu/service/data/FM/B.U2.EUR.4F.KR.MRR_FR.LEV?format=csvdata&startPeriod=2015-01-01",
          "retrieved_at": "2026-07-10T02:55:46.418Z",
          "confidence": "medium",
          "method": "derived_eu_directive_2011_7_reference",
          "notes": "Derived: EU Late Payment Directive (2011/7/EU) reference rate = the ECB main refinancing rate in force on the first calendar day of the half-year (2024-07-01: 4.25%). A member state's statutory late-payment rate is this reference + at least 8 percentage points (e.g. 12.25% at the 8pp floor; some states add more — France +10, Germany +9). Reference, not legal advice."
        },
        {
          "metric": "annual_rate",
          "value": 4.5,
          "value_text": "4.5%",
          "unit": "percent_per_annum",
          "effective_date": "2024-01-01",
          "source_id": "ecb-mro",
          "source_url": "https://data-api.ecb.europa.eu/service/data/FM/B.U2.EUR.4F.KR.MRR_FR.LEV?format=csvdata&startPeriod=2015-01-01",
          "retrieved_at": "2026-07-10T02:55:46.418Z",
          "confidence": "medium",
          "method": "derived_eu_directive_2011_7_reference",
          "notes": "Derived: EU Late Payment Directive (2011/7/EU) reference rate = the ECB main refinancing rate in force on the first calendar day of the half-year (2024-01-01: 4.5%). A member state's statutory late-payment rate is this reference + at least 8 percentage points (e.g. 12.5% at the 8pp floor; some states add more — France +10, Germany +9). Reference, not legal advice."
        },
        {
          "metric": "annual_rate",
          "value": 4,
          "value_text": "4%",
          "unit": "percent_per_annum",
          "effective_date": "2023-07-01",
          "source_id": "ecb-mro",
          "source_url": "https://data-api.ecb.europa.eu/service/data/FM/B.U2.EUR.4F.KR.MRR_FR.LEV?format=csvdata&startPeriod=2015-01-01",
          "retrieved_at": "2026-07-10T02:55:46.418Z",
          "confidence": "medium",
          "method": "derived_eu_directive_2011_7_reference",
          "notes": "Derived: EU Late Payment Directive (2011/7/EU) reference rate = the ECB main refinancing rate in force on the first calendar day of the half-year (2023-07-01: 4%). A member state's statutory late-payment rate is this reference + at least 8 percentage points (e.g. 12% at the 8pp floor; some states add more — France +10, Germany +9). Reference, not legal advice."
        },
        {
          "metric": "annual_rate",
          "value": 2.5,
          "value_text": "2.5%",
          "unit": "percent_per_annum",
          "effective_date": "2023-01-01",
          "source_id": "ecb-mro",
          "source_url": "https://data-api.ecb.europa.eu/service/data/FM/B.U2.EUR.4F.KR.MRR_FR.LEV?format=csvdata&startPeriod=2015-01-01",
          "retrieved_at": "2026-07-10T02:55:46.418Z",
          "confidence": "medium",
          "method": "derived_eu_directive_2011_7_reference",
          "notes": "Derived: EU Late Payment Directive (2011/7/EU) reference rate = the ECB main refinancing rate in force on the first calendar day of the half-year (2023-01-01: 2.5%). A member state's statutory late-payment rate is this reference + at least 8 percentage points (e.g. 10.5% at the 8pp floor; some states add more — France +10, Germany +9). Reference, not legal advice."
        },
        {
          "metric": "annual_rate",
          "value": 0,
          "value_text": "0%",
          "unit": "percent_per_annum",
          "effective_date": "2022-07-01",
          "source_id": "ecb-mro",
          "source_url": "https://data-api.ecb.europa.eu/service/data/FM/B.U2.EUR.4F.KR.MRR_FR.LEV?format=csvdata&startPeriod=2015-01-01",
          "retrieved_at": "2026-07-10T02:55:46.418Z",
          "confidence": "medium",
          "method": "derived_eu_directive_2011_7_reference",
          "notes": "Derived: EU Late Payment Directive (2011/7/EU) reference rate = the ECB main refinancing rate in force on the first calendar day of the half-year (2022-07-01: 0%). A member state's statutory late-payment rate is this reference + at least 8 percentage points (e.g. 8% at the 8pp floor; some states add more — France +10, Germany +9). Reference, not legal advice."
        },
        {
          "metric": "annual_rate",
          "value": 0,
          "value_text": "0%",
          "unit": "percent_per_annum",
          "effective_date": "2022-01-01",
          "source_id": "ecb-mro",
          "source_url": "https://data-api.ecb.europa.eu/service/data/FM/B.U2.EUR.4F.KR.MRR_FR.LEV?format=csvdata&startPeriod=2015-01-01",
          "retrieved_at": "2026-07-10T02:55:46.418Z",
          "confidence": "medium",
          "method": "derived_eu_directive_2011_7_reference",
          "notes": "Derived: EU Late Payment Directive (2011/7/EU) reference rate = the ECB main refinancing rate in force on the first calendar day of the half-year (2022-01-01: 0%). A member state's statutory late-payment rate is this reference + at least 8 percentage points (e.g. 8% at the 8pp floor; some states add more — France +10, Germany +9). Reference, not legal advice."
        },
        {
          "metric": "annual_rate",
          "value": 0,
          "value_text": "0%",
          "unit": "percent_per_annum",
          "effective_date": "2021-07-01",
          "source_id": "ecb-mro",
          "source_url": "https://data-api.ecb.europa.eu/service/data/FM/B.U2.EUR.4F.KR.MRR_FR.LEV?format=csvdata&startPeriod=2015-01-01",
          "retrieved_at": "2026-07-10T02:55:46.418Z",
          "confidence": "medium",
          "method": "derived_eu_directive_2011_7_reference",
          "notes": "Derived: EU Late Payment Directive (2011/7/EU) reference rate = the ECB main refinancing rate in force on the first calendar day of the half-year (2021-07-01: 0%). A member state's statutory late-payment rate is this reference + at least 8 percentage points (e.g. 8% at the 8pp floor; some states add more — France +10, Germany +9). Reference, not legal advice."
        },
        {
          "metric": "annual_rate",
          "value": 0,
          "value_text": "0%",
          "unit": "percent_per_annum",
          "effective_date": "2021-01-01",
          "source_id": "ecb-mro",
          "source_url": "https://data-api.ecb.europa.eu/service/data/FM/B.U2.EUR.4F.KR.MRR_FR.LEV?format=csvdata&startPeriod=2015-01-01",
          "retrieved_at": "2026-07-10T02:55:46.418Z",
          "confidence": "medium",
          "method": "derived_eu_directive_2011_7_reference",
          "notes": "Derived: EU Late Payment Directive (2011/7/EU) reference rate = the ECB main refinancing rate in force on the first calendar day of the half-year (2021-01-01: 0%). A member state's statutory late-payment rate is this reference + at least 8 percentage points (e.g. 8% at the 8pp floor; some states add more — France +10, Germany +9). Reference, not legal advice."
        },
        {
          "metric": "annual_rate",
          "value": 0,
          "value_text": "0%",
          "unit": "percent_per_annum",
          "effective_date": "2020-07-01",
          "source_id": "ecb-mro",
          "source_url": "https://data-api.ecb.europa.eu/service/data/FM/B.U2.EUR.4F.KR.MRR_FR.LEV?format=csvdata&startPeriod=2015-01-01",
          "retrieved_at": "2026-07-10T02:55:46.418Z",
          "confidence": "medium",
          "method": "derived_eu_directive_2011_7_reference",
          "notes": "Derived: EU Late Payment Directive (2011/7/EU) reference rate = the ECB main refinancing rate in force on the first calendar day of the half-year (2020-07-01: 0%). A member state's statutory late-payment rate is this reference + at least 8 percentage points (e.g. 8% at the 8pp floor; some states add more — France +10, Germany +9). Reference, not legal advice."
        },
        {
          "metric": "annual_rate",
          "value": 0,
          "value_text": "0%",
          "unit": "percent_per_annum",
          "effective_date": "2020-01-01",
          "source_id": "ecb-mro",
          "source_url": "https://data-api.ecb.europa.eu/service/data/FM/B.U2.EUR.4F.KR.MRR_FR.LEV?format=csvdata&startPeriod=2015-01-01",
          "retrieved_at": "2026-07-10T02:55:46.418Z",
          "confidence": "medium",
          "method": "derived_eu_directive_2011_7_reference",
          "notes": "Derived: EU Late Payment Directive (2011/7/EU) reference rate = the ECB main refinancing rate in force on the first calendar day of the half-year (2020-01-01: 0%). A member state's statutory late-payment rate is this reference + at least 8 percentage points (e.g. 8% at the 8pp floor; some states add more — France +10, Germany +9). Reference, not legal advice."
        },
        {
          "metric": "annual_rate",
          "value": 0,
          "value_text": "0%",
          "unit": "percent_per_annum",
          "effective_date": "2019-07-01",
          "source_id": "ecb-mro",
          "source_url": "https://data-api.ecb.europa.eu/service/data/FM/B.U2.EUR.4F.KR.MRR_FR.LEV?format=csvdata&startPeriod=2015-01-01",
          "retrieved_at": "2026-07-10T02:55:46.418Z",
          "confidence": "medium",
          "method": "derived_eu_directive_2011_7_reference",
          "notes": "Derived: EU Late Payment Directive (2011/7/EU) reference rate = the ECB main refinancing rate in force on the first calendar day of the half-year (2019-07-01: 0%). A member state's statutory late-payment rate is this reference + at least 8 percentage points (e.g. 8% at the 8pp floor; some states add more — France +10, Germany +9). Reference, not legal advice."
        },
        {
          "metric": "annual_rate",
          "value": 0,
          "value_text": "0%",
          "unit": "percent_per_annum",
          "effective_date": "2019-01-01",
          "source_id": "ecb-mro",
          "source_url": "https://data-api.ecb.europa.eu/service/data/FM/B.U2.EUR.4F.KR.MRR_FR.LEV?format=csvdata&startPeriod=2015-01-01",
          "retrieved_at": "2026-07-10T02:55:46.418Z",
          "confidence": "medium",
          "method": "derived_eu_directive_2011_7_reference",
          "notes": "Derived: EU Late Payment Directive (2011/7/EU) reference rate = the ECB main refinancing rate in force on the first calendar day of the half-year (2019-01-01: 0%). A member state's statutory late-payment rate is this reference + at least 8 percentage points (e.g. 8% at the 8pp floor; some states add more — France +10, Germany +9). Reference, not legal advice."
        },
        {
          "metric": "annual_rate",
          "value": 0,
          "value_text": "0%",
          "unit": "percent_per_annum",
          "effective_date": "2018-07-01",
          "source_id": "ecb-mro",
          "source_url": "https://data-api.ecb.europa.eu/service/data/FM/B.U2.EUR.4F.KR.MRR_FR.LEV?format=csvdata&startPeriod=2015-01-01",
          "retrieved_at": "2026-07-10T02:55:46.418Z",
          "confidence": "medium",
          "method": "derived_eu_directive_2011_7_reference",
          "notes": "Derived: EU Late Payment Directive (2011/7/EU) reference rate = the ECB main refinancing rate in force on the first calendar day of the half-year (2018-07-01: 0%). A member state's statutory late-payment rate is this reference + at least 8 percentage points (e.g. 8% at the 8pp floor; some states add more — France +10, Germany +9). Reference, not legal advice."
        },
        {
          "metric": "annual_rate",
          "value": 0,
          "value_text": "0%",
          "unit": "percent_per_annum",
          "effective_date": "2018-01-01",
          "source_id": "ecb-mro",
          "source_url": "https://data-api.ecb.europa.eu/service/data/FM/B.U2.EUR.4F.KR.MRR_FR.LEV?format=csvdata&startPeriod=2015-01-01",
          "retrieved_at": "2026-07-10T02:55:46.418Z",
          "confidence": "medium",
          "method": "derived_eu_directive_2011_7_reference",
          "notes": "Derived: EU Late Payment Directive (2011/7/EU) reference rate = the ECB main refinancing rate in force on the first calendar day of the half-year (2018-01-01: 0%). A member state's statutory late-payment rate is this reference + at least 8 percentage points (e.g. 8% at the 8pp floor; some states add more — France +10, Germany +9). Reference, not legal advice."
        },
        {
          "metric": "annual_rate",
          "value": 0,
          "value_text": "0%",
          "unit": "percent_per_annum",
          "effective_date": "2017-07-01",
          "source_id": "ecb-mro",
          "source_url": "https://data-api.ecb.europa.eu/service/data/FM/B.U2.EUR.4F.KR.MRR_FR.LEV?format=csvdata&startPeriod=2015-01-01",
          "retrieved_at": "2026-07-10T02:55:46.418Z",
          "confidence": "medium",
          "method": "derived_eu_directive_2011_7_reference",
          "notes": "Derived: EU Late Payment Directive (2011/7/EU) reference rate = the ECB main refinancing rate in force on the first calendar day of the half-year (2017-07-01: 0%). A member state's statutory late-payment rate is this reference + at least 8 percentage points (e.g. 8% at the 8pp floor; some states add more — France +10, Germany +9). Reference, not legal advice."
        },
        {
          "metric": "annual_rate",
          "value": 0,
          "value_text": "0%",
          "unit": "percent_per_annum",
          "effective_date": "2017-01-01",
          "source_id": "ecb-mro",
          "source_url": "https://data-api.ecb.europa.eu/service/data/FM/B.U2.EUR.4F.KR.MRR_FR.LEV?format=csvdata&startPeriod=2015-01-01",
          "retrieved_at": "2026-07-10T02:55:46.418Z",
          "confidence": "medium",
          "method": "derived_eu_directive_2011_7_reference",
          "notes": "Derived: EU Late Payment Directive (2011/7/EU) reference rate = the ECB main refinancing rate in force on the first calendar day of the half-year (2017-01-01: 0%). A member state's statutory late-payment rate is this reference + at least 8 percentage points (e.g. 8% at the 8pp floor; some states add more — France +10, Germany +9). Reference, not legal advice."
        },
        {
          "metric": "annual_rate",
          "value": 0,
          "value_text": "0%",
          "unit": "percent_per_annum",
          "effective_date": "2016-07-01",
          "source_id": "ecb-mro",
          "source_url": "https://data-api.ecb.europa.eu/service/data/FM/B.U2.EUR.4F.KR.MRR_FR.LEV?format=csvdata&startPeriod=2015-01-01",
          "retrieved_at": "2026-07-10T02:55:46.418Z",
          "confidence": "medium",
          "method": "derived_eu_directive_2011_7_reference",
          "notes": "Derived: EU Late Payment Directive (2011/7/EU) reference rate = the ECB main refinancing rate in force on the first calendar day of the half-year (2016-07-01: 0%). A member state's statutory late-payment rate is this reference + at least 8 percentage points (e.g. 8% at the 8pp floor; some states add more — France +10, Germany +9). Reference, not legal advice."
        },
        {
          "metric": "annual_rate",
          "value": 0.05,
          "value_text": "0.05%",
          "unit": "percent_per_annum",
          "effective_date": "2016-01-01",
          "source_id": "ecb-mro",
          "source_url": "https://data-api.ecb.europa.eu/service/data/FM/B.U2.EUR.4F.KR.MRR_FR.LEV?format=csvdata&startPeriod=2015-01-01",
          "retrieved_at": "2026-07-10T02:55:46.418Z",
          "confidence": "medium",
          "method": "derived_eu_directive_2011_7_reference",
          "notes": "Derived: EU Late Payment Directive (2011/7/EU) reference rate = the ECB main refinancing rate in force on the first calendar day of the half-year (2016-01-01: 0.05%). A member state's statutory late-payment rate is this reference + at least 8 percentage points (e.g. 8.05% at the 8pp floor; some states add more — France +10, Germany +9). Reference, not legal advice."
        }
      ]
    }
  }
}