1.   This Title applies to single payment transactions, framework contracts and payment transactions covered by them. The parties may agree that it shall not apply in whole or in part when the payment service user is not a consumer.

2.   Member States may apply the provisions in this Title to microenterprises in the same way as to consumers.

3.   This Directive shall be without prejudice to Directive 2008/48/EC, other relevant Union law or national measures regarding conditions for granting credit to consumers not harmonised by this Directive that comply with Union law.

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TITLE III, CHAPTER 1, Article 38