It's already been more than two years since we last talked about consumer lending in our very first show. Time for a new episode! Today, we will be discussing current market developments, returns and defaults, the competition between banks and Non-Bank Digital Lenders (NBDL), as well as financial consumer protection. The new Consumer Credit Directive (CCD) places an even stronger focus than ever before on over-indebtedness and credit risk management. It also paves the way for an EU-wide regulation of digital consumer credit in order to better protect investors. So it's pretty cool that we're not just talking to two fintech lenders, but also to an asset manager with a focus on digital consumer loans who can share the investor perspective. Tune in and join the discussion! Speakers: Claus Tumbrägel, Co-Founder & Co-CEO @ nordIX located in Germany Roman Feranec, Founder & CEO @ ZLTY Melon located in Slovakia Darius Noreika, CEO @ Finbee located in Lithuania Host: Constantin Fabricius, Managing Director @ Digital Lending Association Please note: The content of this podcast is expressly not to be considered investment advice, but is intended solely for your information. Subscribe to stay updated on new episodes! Follow us on LinkedIn: https://de.linkedin.com/company/digital-lending-association Digital Lending Summit 2025: https://www.finfellas.com/frankfurt-2025 DLA Statement on Art. 46 Sec. 2 in the Consumer Credit Directive: https://digitallenders.eu/wp-content/uploads/2025/07/250721_DLA_CCD3_Art.-46-Abs.-2_English_.pdf