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The Commission welcomes the political agreement between the European Parliament and the Council on the proposal for a Directive on credit servicers and credit purchasers. One of the key objectives of the Directive, adopted back in 2018, is to improve the access and transparency of secondary markets for Non-Performing Loans (NPLs). In particular, the Directive creates common reporting requirements for credit purchasers and an obligation to appoint a credit servicer for consumers and third-country investors. In this way, the new rules will create a Single Market for credit purchasers and credit servicers. This will foster competition, raise the average sale price of NPLs and significantly reduce servicing costs for the benefit of borrowers. In addition, the Directive amends the Consumer Credit Directive and Mortgage Credit Directive. These amendments ensure that consumers will benefit from forbearance measures, are duly informed when the credit is transferred, and are able to keep the same contractual rights they had with the credit originators.