buyermeans a credit purchaser, or a credit institution that receives a non-performing credit agreement in a transaction with another credit institution;
counterpartymeans either a borrower or a protection provider in relation to the non-performing credit agreement being sold or transferred;
cut-off datemeans the reference date for the provision of information by credit institutions;
protection providermeans protection provider as defined in Article 1, point (13), of Regulation (EU) 2016/867 of the European Central Bank;