C\u0103t\u0103lin Gabriel ST\u0102NESCU, Impactul Directivei privind administrarea de credit asupra reglement\u0103rii colect\u0103rii informale abuzive a crean\u021belor \u00een Uniunea European\u0103: Un pas \u00eenainte sau o oportunitate ratat\u0103?, Revista rom\u00e2n\u0103 de drept european (RRDE), nr. 4\/2022<\/p>\n\n\n\n
Abstract:<\/p>\n\n\n\n
This article critically assesses the provisions of Directive 2021\/2167 on credit servicers and credit purchasers regarding the regulation of informal abusive debt collection practices within the European Union. Through a regulatory and comparative analysis, the article discusses the positive and negative aspects of the approach employed by the European Union legislature in regulating informal abusive debt collection practices and assesses how this approach will have an impact on consumer financial protection policy at national level in the coming years.
The article shows that while the adoption of Directive 2021\/2167 and its future transposition into national law of the Member States should improve the financial protection of consumers, the lack of clear and detailed guidance on what constitutes an infringement represents a missed opportunity to effectively and adequately address the problem of abusive collection of claims within the European Union. Moreover, the mechanism for implementing the Directive is likely to complicate rather than simplify an already complex network of national approaches and competent bodies.<\/p>\n\n\n\n
Rezumat:<\/p>\n\n\n\n
Acest articol evalueaz\u0103 \u00een mod critic dispozi\u021biile Directivei nr. 2021\/2167 privind administratorii \u0219i cump\u0103r\u0103torii de credite referitoare la reglementarea practicilor informale abuzive de colectare a crean\u021belor \u00een Uniunea European\u0103. Printr-o analiz\u0103 normativ\u0103 \u0219i comparativ\u0103, articolul discut\u0103 aspectele pozitive \u0219i negative ale abord\u0103rii legiuitorului UE \u00een ceea ce prive\u0219te reglementarea practicilor informale abuzive de colectare a crean\u021belor \u0219i evalueaz\u0103 modul \u00een care aceast\u0103 abordare va avea un impact asupra politicii de protec\u021bie financiar\u0103 a consumatorilor la nivel na\u021bional \u00een anii urm\u0103tori.
Articolul arat\u0103 c\u0103, de\u0219i adoptarea Directivei nr. 2021\/2167 \u0219i viitoarea transpunere a acesteia \u00een legisla\u021bia na\u021bional\u0103 a statelor membre ar trebui s\u0103 \u00eembun\u0103t\u0103\u021beasc\u0103 protec\u021bia financiar\u0103 a consumatorilor, lipsa unor orient\u0103ri clare \u0219i detaliate cu privire la ceea ce constituie o \u00eenc\u0103lcare reprezint\u0103 o oportunitate ratat\u0103 de a aborda \u00een mod eficient \u0219i adecvat problema colect\u0103rii abuzive a crean\u021belor \u00een cadrul Uniunii. \u00cen plus, mecanismul de punere \u00een aplicare a directivei este mai degrab\u0103 de natur\u0103 s\u0103 complice dec\u00e2t s\u0103 simplifice o re\u021bea deja complex\u0103 de abord\u0103ri na\u021bionale \u0219i de organisme competente.<\/p>\n\n\n\n