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首页> 外文期刊>Journal of consumer policy >A Critical Assessment of the Need for Harmonization of the Legal Framework Concerning Abusive Informal Debt Collection Practices in the European Union
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A Critical Assessment of the Need for Harmonization of the Legal Framework Concerning Abusive Informal Debt Collection Practices in the European Union

机译：对欧洲联盟滥用非正规债务收集实践协调互动的批判性评估

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The loss of jobs and the decline in real incomes caused by the 2008 financial crisis and the COVID-19 pandemic have affected consumers' ability to repay their debts. These have led to high ratios of non-performing loans (NPLs), which affect the stability of the financial industry and undermine economic recovery. The result has been a need for faster debt enforcement and a drastic increase in abusive informal debt collection practices (IDCPs). In the EU, the need to regulate and harmonize abusive IDCPs surfaced in 2018 in connection to the Proposal for a Directive on Credit Servicers, Credit Purchasers and the Recovery of Collateral (CSDP). The directive would enable banks to outsource the servicing of NPLs to a specialized debt collector, but it contained no protection rules against abusive IDCPs. In this article, the researcher critically assesses the need for harmonization of the legal framework concerning abusive IDCPs in the EU, mainly from the standpoint of the initial and current text of the CSDP. Where necessary, the researcher will refer to both historical and comparative law perspectives. The researcher focuses on the legal character of informal debt collection, its relation to financial services, and its potential sui generis character. After that, the researcher will address the arguments for and against establishing pan-EU sector-specific legislation dedicated to IDCPs. Next, the researcher discusses the constitutional authority of the EU to regulate abusive IDCPs. Finally, the researcher will examine the interaction of the CSDP with other consumer (financial) protection instruments to identify the best solution for harmonizing abusive IDCPs at the EU level. The researcher will juxtapose several dichotomies: general versus sector-specific, procedural versus substantive, minimum versus maximum harmonization, and hard versus soft regulation. In the conclusion, the researcher shall synthesize the core problems and suggest an approach.
机译：工作丧失和2008年金融危机和Covid-19大流行造成的实际收入的下降影响了消费者偿还债务的能力。这些导致了不良贷款（不良贷款）的高比率，这影响了金融业的稳定性和经济复苏。结果一直需要更快的债务执法和滥用非正式债务收集实践（IDCP）的激烈增加。在欧盟，有必要在2018年制定和协调虐待IDCP，与信用服务者，信贷买卖双方和抵押品恢复（CSDP）的提案有关。该指令将使银行能够将NPLS的服务外包给专门的债务收集者，但它没有对滥用IDCPS的保护规则。在本文中，研究人员批判性地评估了协调欧盟滥用IDCP的法律框架的必要性，主要是CSDP的初始和当前案文的观点。必要时，研究人员将参考历史和比较法的观点。研究人员侧重于非正式债务收集的法律性质，其与金融服务的关系及其潜在的隋一般性特征。之后，研究人员将讨论致力于IDCP的泛欧定部门的立法。接下来，研究人员讨论了欧盟规范滥用IDCP的宪法权威。最后，研究人员将研究CSDP与其他消费者（财务）保护工具的互动，以确定在欧盟级别协调滥用IDCP的最佳解决方案。研究人员将与一些二分法并置：一般与部门特定的，程序与实质性，最小值与最大协调，以及硬质调节。在结论中，研究人员应综合核心问题并建议一种方法。

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