Directive (EU) 2021/2167 of the European Parliament and of the Council of 24 Nove... (32021L2167)
Directive (EU) 2021/2167 of the European Parliament and of the Council of 24 November 2021 on credit servicers and credit purchasers and amending Directives 2008/48/EC and 2014/17/EU (Text with EEA relevance)
- DIRECTIVE (EU) 2021/2167 OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL
- of 24 November 2021
- on credit servicers and credit purchasers and amending Directives 2008/48/EC and 2014/17/EU
- (Text with EEA relevance)
- TITLE I
- SUBJECT MATTER, SCOPE AND DEFINITIONS
- Article 1
- Subject matter
- Article 2
- Scope
- Article 3
- Definitions
- TITLE II
- CREDIT SERVICERS
- CHAPTER I
- Authorisation of credit servicers
- Article 4
- General requirements
- Article 5
- Requirements for granting an authorisation
- Article 6
- Ability to hold funds
- Article 7
- Procedure for authorisation of credit servicers
- Article 8
- Withdrawal of authorisation
- Article 9
- List or register of authorised credit servicers
- Article 10
- Relationship with the borrower, communication of the transfer and subsequent communications
- Article 11
- Contractual relationship between a credit servicer and a credit purchaser
- Article 12
- Outsourcing by a credit servicer
- CHAPTER II
- Cross-border credit servicing activities
- Article 13
- Freedom to provide credit servicing activities in a host Member State
- Article 14
- Supervision of credit servicers which provide cross-border services
- TITLE III
- CREDIT PURCHASERS
- Article 15
- Right to information regarding a creditor’s rights under a non-performing credit agreement or the non-performing credit agreement itself
- Article 16
- Implementing technical standards for data templates
- Article 17
- Obligations of credit purchasers
- Article 18
- Use of credit servicers or other entities
- Article 19
- Representative of a third-country credit purchaser
- Article 20
- Transfer of a creditor’s rights under a non-performing credit agreement, or of the non-performing credit agreement itself, by a credit purchaser and communication to the competent authorities
- TITLE IV
- SUPERVISION
- Article 21
- Supervision by competent authorities
- Article 22
- Supervisory role and powers of competent authorities
- Article 23
- Administrative penalties and remedial measures
- TITLE V
- SAFEGUARDS AND DUTY TO COOPERATE
- Article 24
- Complaints
- Article 25
- Personal data protection
- Article 26
- Cooperation between competent authorities
- TITLE VI
- AMENDMENTS
- Article 27
- Amendments to Directive 2008/48/EC
- ‘Article 11a
- Information regarding the modification of the terms and conditions of a credit agreement
- ‘Article 16a
- Arrears and enforcement
- Article 28
- Amendments to Directive 2014/17/EU
- ‘Article 27a
- Information regarding the modification of the terms and conditions of a credit agreement
- ‘Article 28a
- Assignment of the creditor’s rights or of the credit agreement itself
- TITLE VII
- FINAL PROVISIONS
- Article 29
- Committee
- Article 30
- Evaluation
- Article 31
- Review clause
- Article 32
- Transposition
- Article 33
- Entry into force
- Article 34
- Addressees
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