The CCD II Transposition Working Group
As part of our ongoing efforts to successfully transpose the Consumer Credit Directive II (CCDII) into the national frameworks, we are proud to announce the establishment of the CCDII Transposition Working Group.
Mission and vision
- Ensure a smooth and effective transposition of the CCDII in the participant’s countries, and especially art. 36 of CCDII and shape the future of debt advisory.
- Engage with policymakers to ensure that national laws align with the CCDII and advocate for additional measures to establish stable debt advisory; provide recommendations and participate in consultations.
Objectives and goals
- Empower and prepare members for the legislation time to establish in countries of our participants stable and sustainable debt counseling
- Collaboration and Networking: exchange of good practices and materials regarding the initiatives for the transposition of the CCD II
- Monitoring and reporting: monitor changes in the national legal framework due to CCDII
Meet the members
DIETER KORCZAK
GP-Forschungsgruppe
Brief Biography:
President of the ECDN,
Lead coordination of the PEPPI project in 13 EU Member States;
Member of the Financial Services User Group (FSUG) of the EU;
Diploma in Economics, University of Cologne; PhD in Sociology, University of Cologne;
Author and editor of many books and scientific articles about over-indebtedness, debt advice, and financial education
Motivation statement:
“I want to effectively support the transposition of CCD II in the EU member states”
WILLY PIERRE ABBAL
Temida Foundation
Brief Biography:
Founder of the NGO Temida and leader in many financial Literacy Initiatives.
Experienced in the banking and insurance sectors across multiple countries.
Consultant in digital transformation, project manager in many methodologies: Agile, Scrum Master, Lean Six Sigma, and Kaizen),
Diploma in International Economic Relations from the University of Konstanz and Applied Studies focusing on Eastern Europe from Paris X University
Motivation statement:
“Joining the CCD II Working Group is an opportunity for me to contribute to a cause I am deeply passionate about. I am committed to using my expertise and experience to support the successful implementation of the new credit directive, ultimately enhancing consumer protection and financial literacy throughout Europe.”
CARLOS JAVIER ZARCO PLEGUEZUELOS
ZARCO-Law Firm
Brief Biography:
- Practising Lawyer (since 1989). Advice and litigation.
- Former member of CRF-Net, FIN-USE & FSUG)
- Insolvency Practitioner – a specialist in Insolvency and Corporate Law, Digital Law, Legaltech, Finreg, Cryptoassets, Data Protection, and Master on AI.
- Member of the Insolvency Practitioner´s Board at the Alicante Bar (ICALI)
- Chair of the Consumer Law Section Board at the Alicante Bar (ICALI)
- Former Head of Consumer Protection at the EBA (European Banking Authority).
- Lecturer: Alicante University (Banking System & Financial Markets), and in Alicante Bar,
- Chair of METABOGACIA (Lawyer´s Cooperative specializing in digital tools for lawyers);
- National Coordinator on PEPPI Project (ECDN) for Spain
Motivation statement:
“It is a pleasure and an honor for me, to collaborate with ECDN on the CCDII Working Group, where I´ll do my best in order to monitor the developments regarding the Spanish Transposition Act, implementing CCD II, and reporting to the working group about it.“
Josef Hudak
Ustredie Prace, Socialnych Veci a Rodiny (Center for Work, Social Affairs and Family)
Brief Biography:
Area of expertise relevant to the working group:
Leader of the project Free Debt Counseling
Manager of the regional consultancies services
Currently focus on developing the system of holistic family counseling in Slovakia
LUCA RIZZITANO
DIRITTI DEL DEBITORE
Area of expertise relevant to the working group:
Debt restructuring prevention and composition of the financial crisis, Management of crisis composition agencies
Brief Biography:
- Civil lawyer of the Palermo Court;
- Representative of the crisis settlement body “The Debtor’s Rights – Social Secretariat of the Municipality of Palermo”;
- External relation and legal manager in Diritti del Debitore, Expert in the organization and functional implementation of OCCs;
- Lecturer in private universities, in university master’s courses on the management and composition of the over-indebtedness crisis of private individuals and businesses;
- General coordinator and General Management Consultant in Italian corporate and associative realities regarding the management of pathological indebtedness.
Motivation statement:
“I want to export and share Italian best practices and the system of crisis management bodies.“
HELENA HOLLAND
Ministry of Social Policy and Children’s Rights in Malta
Area of expertise relevant to the working group:
Financial literacy, debt in the local context, ESF project, debt & financial capability, domestic violence, and animal rights.
Brief Biography:
Director for Pension Strategy within the Strategy and Implementation Division of the Ministry for Social Policy and Children’s Rights of Malta
ĠEMMA team leader from November 2021 when the Financial Capability initiative operated under the office of the Permanent Secretary of the Ministry.
Formerly the Assistant Director to the Director General of Social Security.
Helena graduated in Communications, with a Master’s in Gender Studies. She has worked in different social areas including domestic violence and poverty, both in the administration and implementation side. She has also worked in the EU Funds sector both for local regulatory bodies as well as leading projects for Ministries.
MALWINA SILVA DA MOTA
STOWARZYSZENIE KRZEWIENIA EDUKACJI FINANSOWEJ (SKEF)
Area of expertise relevant to the working group:
Debt restructuring, Debt Counseling, Consumer bankruptcy
Brief Biography:
Lawyer, debt counselor, and coach in many financial literacy programs
Training and Project Coordinator – Financial and Consumer Advice Specialist in SKEF
Office Coordinator in ECDN since 2024
Motivation statement:
“I believe that by working together we can find better solutions to build a regional debt advisory system that meets the different needs of consumers. Sharing experiences and progress is especially important for countries that do not have established debt advisory traditions and where assistance to people in debt is still fragmentary.”
SALLY PETERS
INSTITUT FÜR FINANZDIENSTLEISTUNGEN E.V. (IFF) / INSTITUTE FOR RESPONSIBLE FINANCE
Area of expertise relevant to the working group:
Debt Counseling, over-indebtedness, poverty, financial consumer protection
Brief Biography:
Managing Director of iff [a non-profit research institute]. She researches and advises on over-indebtedness, poverty, and financial consumer protection;
Debt counselor with several years of experience
She graduated from social work at HAW Hamburg. She also completed her doctorate in social work at the University of Hamburg in 2018. Her dissertation deals with poverty and over-indebtedness among young
adults.
Motivation statement:
“An important aspect of the Consumer Credit Directive is protection against over-indebtedness. By working on this directive, we can help to develop preventative measures that prevent consumers from becoming financially over-indebted”
PAULINE DUJARDIN
FEDERATION FRANCAISE DES ASSOCIATION CRESUS (hereinafter referred to as Cresus)
Area of expertise relevant to the working group:
Lawyer of an NGO in France, which supports households in overindebtedness.
Cresus is in relation with the French institutions among others: the Ministry of Economy, and Central Bank about the transposition of the CCDII
Brief Biography:
Legal counselor of the federation of the 30 associations of CRESUS in France. As a federal counselor, Pauline works mainly in the field of advising and training about the legal aspects for the volunteers
who work at CRESUS such as lobbying for legislation.
Vice-President of the ECDN
Motivation statement:
“Exchange with other NGOs about the transposition will improve our activity and lobbying in France by knowing the different ways of understanding and transposing the directive”
DAVID ŠMEJKAL
DEBT ADVISORY CENTER - COUNSELING IN STRINGENCY
Area of expertise relevant to the working group:
Debt advice
Brief Biography:
Director of the Debt Advisory Center since 2008, Public Benefit Organization;
From 1997 to 2008 SOS – Consumer Defence Association, project leadership, chairman
JOZSEF MESZAROS
COGNATIVE LTD.
Brief Biography:
- Obtained his first degree as a psychologist and then as a psychology teacher. Later, he received a business degree (Master of Business Administration) and graduated as a quality assurance engineer.
- Personnel selection expert and market researcher. In the last decade, he researched social issues, mainly on academic projects.
- Project management skills proven by more than 1000 successful projects in the past 30 years.
- PEPPI Coordinator and ECDN representative in Hungary, where he succeeded in uncovering some of the causes and sources of the over-indebtedness of the Hungarian population and the peculiarities and insufficient functioning of Hungarian institutions.
Motivation statement:
“The main motivation for my work at ECDN was my belief in the social utility of my work. Here again, I hope to contribute to the public good in a number of ways by adopting and sharing financial education, financial awareness, and good practices through the use of consumer financial rights as a framework.”
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