Europejski Urząd Nadzoru Bankowego, Ostateczny raport dotyczący Wytycznych EBA zmieniających Wytyczne Wspólnego Komitetu dotyczące obsługi skarg w sektorach papierów wartościowych (ESMA) i bankowych (EBA)

EBA/GL/2024/12

24 July 2024

Final Report on EBA Guidelines amending Joint Committee Guidelines on complaints handling for the securities (ESMA) and banking (EBA) sectors

Executive Summary

Directive (EU) 2021/2167 on credit servicers and credit purchasers (Credit Servicers Directive – CSD, at times also referred to as the ‘Non-Performing loan Directive’ (NPL Directive) or ‘Loan Servicers Directive’) was published on 8 December 2021 and EU Member States are required to adopt and publish the national measures to transpose the provisions of the Directive by 29 December 2023.

The main purpose of the Directive is to foster the development of secondary markets for nonperforming loans in the Union, by removing impediments to, and laying down safeguards for, the transfer of NPLs by credit institutions to credit purchasers, while at the same time safeguarding borrowers’ rights. It provides for a Union-wide regulatory arrangement for both the purchasers and servicers of such credit agreements.