What changes on 28/12/2021

The text in force from 18/12/2015 compared with the text from 28/12/2021.

Read the act as of 28/12/2021 · other versions:

Title I

• inserted Article 1 - Subject matter
• inserted Article 2 - Scope
• inserted Article 3 - Definitions

Title II › Chapter I

• inserted Article 4 - General requirements
• inserted Article 5 - Requirements for granting an authorisation
• inserted Article 6 - Ability to hold funds
• inserted Article 7 - Procedure for authorisation of credit servicers
• inserted Article 8 - Withdrawal of authorisation
• inserted Article 9 - List or register of authorised credit servicers
• inserted Article 10 - Relationship with the borrower, communication of the transfer and subsequent communications
• inserted Article 11 - Contractual relationship between a credit servicer and a credit purchaser
• inserted Article 12 - Outsourcing by a credit servicer

Title II › Chapter II

• inserted Article 13 - Freedom to provide credit servicing activities in a host Member State
• inserted Article 14 - Supervision of credit servicers which provide cross-border services

Title III

• inserted Article 15 - Right to information regarding a creditor’s rights under a non-performing credit agreement or the non-performing credit agreement itself
• inserted Article 16 - Implementing technical standards for data templates
• inserted Article 17 - Obligations of credit purchasers
• inserted Article 18 - Use of credit servicers or other entities
• inserted Article 19 - Representative of a third-country credit purchaser
• inserted 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

• inserted Article 21 - Supervision by competent authorities
• inserted Article 22 - Supervisory role and powers of competent authorities
• inserted Article 23 - Administrative penalties and remedial measures

Title V

• inserted Article 24 - Complaints
• inserted Article 25 - Personal data protection
• inserted Article 26 - Cooperation between competent authorities

Title VI

• inserted Article 27 - Amendments to Directive 2008/48/EC
• inserted Article 28 - Amendments to Directive 2014/17/EU

Outside any heading

• inserted Recital 1
• inserted Recital 2
• inserted Recital 3
• inserted Recital 4
• inserted Recital 5
• inserted Recital 6
• inserted Recital 7
• inserted Recital 8
• inserted Recital 9
• inserted Recital 10
• inserted Recital 11
• inserted Recital 12
• inserted Recital 13
• inserted Recital 14
• inserted Recital 15
• inserted Recital 16
• inserted Recital 17
• inserted Recital 18
• inserted Recital 19
• inserted Recital 20
• inserted Recital 21
• inserted Recital 22
• inserted Recital 23
• inserted Recital 24
• inserted Recital 25
• inserted Recital 26
• inserted Recital 27
• inserted Recital 28
• inserted Recital 29
• inserted Recital 30
• inserted Recital 31
• inserted Recital 32
• inserted Recital 33
• inserted Recital 34
• inserted Recital 35
• inserted Recital 36
• inserted Recital 37
• inserted Recital 38
• inserted Recital 39
• inserted Recital 40
• inserted Recital 41
• inserted Recital 42
• inserted Recital 43
• inserted Recital 44
• inserted Recital 45
• inserted Recital 46
• inserted Recital 47
• inserted Recital 48
• inserted Recital 49
• inserted Recital 50
• inserted Recital 51
• inserted Recital 52
• inserted Recital 53
• inserted Recital 54
• inserted Recital 55
• inserted Recital 56
• inserted Recital 57
• inserted Recital 58
• inserted Recital 59
• inserted Recital 60
• inserted Recital 61
• inserted Preamble

Title VII

• inserted Article 29 - Committee
• inserted Article 30 - Evaluation
• inserted Article 31 - Review clause
• inserted Article 32 - Transposition
• inserted Article 33 - Entry into force
• inserted Article 34 - Addressees