What EU NPL Credit Servicers Directive 2021/2167 - Non-Performing Loan Secondary Market requires
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.
Pillar: Banking & Global Finance · Authority: European Parliament and Council of the European Union · Version: 1.0.1 · Last updated:
Primary source: https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX%3A32021L2167
SHA-256 integrity: fecb9e87a7c5a4169fc0b60929c5ef19f8a126b0560b76169a242f82d6340106
Primary Citations — 5 traced to source
- Arts 6-9 (authorisation), 14 (passporting), 16 (EBA template), 17 (credit purchaser), 20 (borrower notification), 24 (arrears management) — Directive (EU) 2021/2167 of the European Parliament and of the Council on credit servicers and credit purchasers
- Loan-by-loan data fields for consumer, SME, and corporate NPL portfolios — EBA Standardised NPL Data Templates - EBA/GL/2017/06 (updated 2020)
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