EU-Regulations are of general application, binding in their entirety and directly applicable across the European Union. They need no national implementation measures.
Directives, on the other hand are addressed to the member states of the European Union. They are binding as to the result to be achieved, but leave to national authorities the implementation into the national legislation within a set time-frame. In the area consumer law, directives guarantee a shared minimum level of protection for European consumers, but member states may generally provide for more extensive protection than the directives require. Therefore legislation may still vary from country to country, even though the minimum level remains the same. Under the Directive in question, you will find an English translation of the Finnish act implementing it , if a translation exists.