Letter from Frank Elderson, Member of the Executive Board of the European Central Bank (ECB), to Harald Waiglein, Director General Economic Policy and Financial Markets, Austrian Federal Ministry of Finance, regarding a draft law transposing Directive (EU) 2021/2167 of the European Parliament and of the Council of 24 November 2021 on credit servicers and credit purchasers, and amending, inter alia, the Law on banking and the Law on the Financial Market Authority