Addressees

These Guidelines are addressed to:

• a. competent authorities as defined in Article 4(2) of Regulation (EU) No 1093/2010 (EBA authority) which are also designated pursuant to Article 21(3) of Directive (EU) 2021/2167. They apply to the extent that those authorities have been designated as competent for ensuring the application and enforcement of those provisions of that Directive to which these Guidelines relate; and
• b. competent authorities referred to in Article 21(3) of Directive (EU) 2021/2167; and
• c. credit servicers as defined in Article 3(8) of Directive (EU) 2021/2167.