{
  "node_id": "eu-npl-credit-servicers-regulation-2021-2167",
  "title": "EU NPL Credit Servicers Directive 2021/2167 - Non-Performing Loan Secondary Market",
  "domain": "Banking & Global Finance",
  "version": "1.0.1",
  "last_updated": "2026-04-30",
  "bluf": "Directive (EU) 2021/2167 creates a harmonised EU framework for credit servicers and credit purchasers of non-performing loans (NPLs) issued by EU credit institutions. Credit servicers must be authorised by the NCA of their home member state; credit purchasers (non-bank buyers of NPL portfolios) may operate without authorisation but must appoint an authorised credit servicer. The directive requires transparent borrower communication, data templates for NPL transfers, and supervisory information sharing between member states.",
  "paywall": {
    "status": "LOCKED",
    "unlock_cost_usd": "0.01",
    "skyfire_id": "41779894-ece2-4163-9761-b3b1b76e19b0"
  },
  "crosswalks": {
    "_available_keys": [
      "iso_standard",
      "eu_regulation",
      "us_equivalent",
      "uk_equivalent",
      "global_framework"
    ],
    "_note": "Full crosswalk values included in vault response"
  },
  "dependencies": [
    "eu-capital-requirements-directive-iv-2013-36-crd4",
    "eu-brrd-bank-recovery-resolution-directive-2014-59",
    "eu-mortgage-credit-directive-2014-17-real-estate"
  ],
  "primary_citations_count": 5
}