Cătălin-Gabriel Stănescu is an Associate Professor in Private International Law at the University of Southern Denmark. His research focuses on consumer financial protection, informal debt collection, financial regulation, and digital law. In 2023, he was appointed Senior Research Fellow at the Centre for Banking and Finance Law at the National University of Singapore (2024). Dr Stănescu has been a visiting researcher at several renowned institutions including the Max Planck Institute for Private International and Comparative Law, the European University Institute, and the Centre for Commercial Law Studies at Queen Mary University of London.

The author's almost surgical precision, whose prose/writing has the gift of going straight to the point, succinctly and without wasting words, is not only in sync with Western approaches, but also offers an intelligible, useful, and convincing synthesis of the apparent complexity behind EU regulations.

• 1: Informal Debt Collection in the European Union: Unfair Practices, Privacy Concerns, and Inadequate Regulation 2: Historical and Conceptual Background of Debt Collection 3: Debt Trading in the European Union 4: The Role of Debt Collection 5: Evolution and Impact of Consumer Credit and Utility Markets 6: Consumer Indebtedness and Debt Collection 7: The Debt Market in the European Union 8: Key Market Actors 9: Failure to Regulate: Financial Lobbying and Regulatory Capture at the European Union Level 10: Abusive Informal Debt Collection as an Unfair Commercial Practice 11: Credit and Intermediation of Recovery: The Consumer Credit Directive's Influence on Debt-Collection Practice 12: Contractual Pitfalls: The Unfair Contract Terms Directive and Debt Collection 13: Privacy Concerns: The General Data Protection Regulation's Impact on Informal Debt Collection 14: A Directive for the Industry: The Credit Servicers and Credit Purchasers Directive 15: Prohibited Behaviour under the Credit Servicers and Credit Purchasers Directive 16: Supervision and Compliance in the Credit Servicers and Credit Purchasers Directive 17: In Lieu of Conclusions

Cătălin-Gabriel Stănescu is an Associate Professor in Private International Law at the University of Southern Denmark. His research focuses on consumer financial protection, informal debt collection, financial regulation, and digital law. In 2023, he was appointed Senior Research Fellow at the Centre for Banking and Finance Law at the National University of Singapore (2024). Dr Stănescu has been a visiting researcher at several renowned institutions including the Max Planck Institute for Private International and Comparative Law, the European University Institute, and the Centre for Commercial Law Studies at Queen Mary University of London.

The author's almost surgical precision, whose prose/writing has the gift of going straight to the point, succinctly and without wasting words, is not only in sync with Western approaches, but also offers an intelligible, useful, and convincing synthesis of the apparent complexity behind EU regulations.

• 1: Informal Debt Collection in the European Union: Unfair Practices, Privacy Concerns, and Inadequate Regulation 2: Historical and Conceptual Background of Debt Collection 3: Debt Trading in the European Union 4: The Role of Debt Collection 5: Evolution and Impact of Consumer Credit and Utility Markets 6: Consumer Indebtedness and Debt Collection 7: The Debt Market in the European Union 8: Key Market Actors 9: Failure to Regulate: Financial Lobbying and Regulatory Capture at the European Union Level 10: Abusive Informal Debt Collection as an Unfair Commercial Practice 11: Credit and Intermediation of Recovery: The Consumer Credit Directive's Influence on Debt-Collection Practice 12: Contractual Pitfalls: The Unfair Contract Terms Directive and Debt Collection 13: Privacy Concerns: The General Data Protection Regulation's Impact on Informal Debt Collection 14: A Directive for the Industry: The Credit Servicers and Credit Purchasers Directive 15: Prohibited Behaviour under the Credit Servicers and Credit Purchasers Directive 16: Supervision and Compliance in the Credit Servicers and Credit Purchasers Directive 17: In Lieu of Conclusions

Cătălin-Gabriel Stănescu is an Associate Professor in Private International Law at the University of Southern Denmark. His research focuses on consumer financial protection, informal debt collection, financial regulation, and digital law. In 2023, he was appointed Senior Research Fellow at the Centre for Banking and Finance Law at the National University of Singapore (2024). Dr Stănescu has been a visiting researcher at several renowned institutions including the Max Planck Institute for Private International and Comparative Law, the European University Institute, and the Centre for Commercial Law Studies at Queen Mary University of London.

The author's almost surgical precision, whose prose/writing has the gift of going straight to the point, succinctly and without wasting words, is not only in sync with Western approaches, but also offers an intelligible, useful, and convincing synthesis of the apparent complexity behind EU regulations.

• 1: Informal Debt Collection in the European Union: Unfair Practices, Privacy Concerns, and Inadequate Regulation 2: Historical and Conceptual Background of Debt Collection 3: Debt Trading in the European Union 4: The Role of Debt Collection 5: Evolution and Impact of Consumer Credit and Utility Markets 6: Consumer Indebtedness and Debt Collection 7: The Debt Market in the European Union 8: Key Market Actors 9: Failure to Regulate: Financial Lobbying and Regulatory Capture at the European Union Level 10: Abusive Informal Debt Collection as an Unfair Commercial Practice 11: Credit and Intermediation of Recovery: The Consumer Credit Directive's Influence on Debt-Collection Practice 12: Contractual Pitfalls: The Unfair Contract Terms Directive and Debt Collection 13: Privacy Concerns: The General Data Protection Regulation's Impact on Informal Debt Collection 14: A Directive for the Industry: The Credit Servicers and Credit Purchasers Directive 15: Prohibited Behaviour under the Credit Servicers and Credit Purchasers Directive 16: Supervision and Compliance in the Credit Servicers and Credit Purchasers Directive 17: In Lieu of Conclusions