Europejski Urząd Nadzoru Bankowego, Ostateczny raport dotyczący wytycznych zmieniających wytyczne EBA/GL/2015/12 w sprawie zaległości i egzekucji zabezpieczeń

EBA/GL/2024/10

28 June 2024

Final Report on Guidelines amending Guidelines EBA/GL/2015/12 on arrears and foreclosure

Directive 2014/17/EU on credit agreements for consumers relating to residential immovable property and amending Directives 2008/48/EC and 2013/36/EU and Regulation (EU) No 1093/2010 (the Mortgage Credit Directive or ’MCD’) was adopted on 4 February 2014, published on 28 February 2014 and is applicable since 21 March 2016.

The MCD aimed at bringing about a more transparent, efficient and competitive internal market, through consistent, flexible and fair credit agreements relating to immovable property. In particular, Article 28 of the MCD introduced provisions in the area of arrears and foreclosure, requiring Member States (MS) to adopt measures to encourage creditors to exercise reasonable forbearance before foreclosure proceedings are initiated.

In order to ensure that the high-level provisions of Article 28 MCD were implemented and supervised consistently across the EU MS,...