Reply-To: <eelo@mfa.ee>
From: <eelo@mfa.ee>
To: "Justiits- ja Digiministeerium" <info@justdigi.ee>,
	<margo.roasto@mfa.ee>,
	<eelo@mfa.ee>,
	"Info - RAM" <Info@fin.ee>,
	"Virge Aasa - RAM" <virge.aasa@fin.ee>,
	<merili.kriisa@mfa.ee>,
	<eelo@mfa.ee>
Subject: C-131/26
Date: Mon, 27 Apr 2026 14:34:30 +0300
Message-ID: <202604271134.63RBYUmU012480@eelo-host.mfa.ee>
MIME-Version: 1.0
Content-Type: text/plain;
	charset="utf-8"
Content-Transfer-Encoding: 8bit
Thread-Index: AQEWjHLLgdOS5y8AEnKTAmEAUa7lgQ==
X-MS-Exchange-Organization-ExpirationStartTime: 27 Apr 2026 11:34:31.9984
 (UTC)
X-MS-Exchange-Organization-ExpirationStartTimeReason: OriginalSubmit
X-MS-Exchange-Organization-ExpirationInterval: 1:00:00:00.0000000
X-MS-Exchange-Organization-ExpirationIntervalReason: OriginalSubmit
X-MS-Exchange-Organization-Network-Message-Id: a2b7672c-f4f3-4e6b-5617-08dea450f355
X-EOPAttributedMessage: 0
X-EOPTenantAttributedMessage: 8fe098d2-428d-4bd4-9803-7195fe96f0e2:0
X-MS-Exchange-Organization-MessageDirectionality: Incoming
X-MS-PublicTrafficType: Email
X-MS-TrafficTypeDiagnostic: AM3PEPF0000A79B:EE_|GVXPR02MB10901:EE_|AS8PR02MB10217:EE_
X-MS-Exchange-Organization-AuthSource: AM3PEPF0000A79B.eurprd04.prod.outlook.com
X-MS-Exchange-Organization-AuthAs: Anonymous
X-MS-Office365-Filtering-Correlation-Id: a2b7672c-f4f3-4e6b-5617-08dea450f355
X-MS-Exchange-AtpMessageProperties: SA|SL
X-MS-Exchange-Organization-SCL: -1
X-Microsoft-Antispam: BCL:0;ARA:13230040|82310400026|16102099003|19002099003|55112099003|57112099003|13003099007;
X-Forefront-Antispam-Report: CIP:213.184.53.4;CTRY:EE;LANG:et;SCL:-1;SRV:;IPV:CAL;SFV:NSPM;H:mail1.rit.ee;PTR:mail1.rit.ee;CAT:NONE;SFS:(13230040)(82310400026)(16102099003)(19002099003)(55112099003)(57112099003)(13003099007);DIR:INB;
X-MS-Exchange-CrossTenant-OriginalArrivalTime: 27 Apr 2026 11:34:31.8236
 (UTC)
X-MS-Exchange-CrossTenant-Network-Message-Id: a2b7672c-f4f3-4e6b-5617-08dea450f355
X-MS-Exchange-CrossTenant-Id: 8fe098d2-428d-4bd4-9803-7195fe96f0e2
X-MS-Exchange-CrossTenant-AuthSource: AM3PEPF0000A79B.eurprd04.prod.outlook.com
X-MS-Exchange-CrossTenant-AuthAs: Anonymous
X-MS-Exchange-CrossTenant-FromEntityHeader: Internet
X-MS-Exchange-Transport-CrossTenantHeadersStamped: GVXPR02MB10901
X-MS-Exchange-Transport-EndToEndLatency: 00:00:02.8648038
X-MS-Exchange-Processed-By-BccFoldering: 15.20.9846.012
X-MS-Exchange-ExternalInOutlookResult: NotEnabled
X-Microsoft-Antispam-Mailbox-Delivery: ucf:0;jmr:0;auth:0;dest:I;ENG:(910005)(944506478)(944626604)(920097)(930201)(20251009189)(140003);
X-Microsoft-Antispam-Message-Info: =?us-ascii?Q?8RhQa0XAvb6x6bUHZZg4Q8Pb0Q5MU+7dkYAPVVyPQKcP4bImIebsw1PmSz2F?=
 =?us-ascii?Q?/kTxBErFbgJ2AZBmXkZc6bzJdjSoZTnibCXPq1OyJppM33K+7NXTuJaDuHDh?=
 =?us-ascii?Q?inD3LiUKv1Dt50IOldiK4ctOYkF1VInmtg9Ltl4+ft8YnzfCKxaw57jNbs0l?=
 =?us-ascii?Q?FAy6tKj5DomBnymevzdAlxSd5JfSrLcvA2Wd+1K2M4jdTILp59cf8XaQ3xMI?=
 =?us-ascii?Q?Q2bVuPnckzYZPzpG58sJC3vYMA4tSMzSnbW7n9rqQml/4ob9TtMp8T4Rny6A?=
 =?us-ascii?Q?UrnytiUhwchq+rOptMGS//IQOVD2Eoo72D0l5uHqyACBXlLrG11sFmGL4NFu?=
 =?us-ascii?Q?bAbw2o4Yz2P+rN4Zf4m8n+VeZ/niwcIOdIVa3cRDK/vrt2cHmyrmg75PDjVI?=
 =?us-ascii?Q?+RiR1pkKuyEzbUG6EiEpiF1403JJRCe0DkZk0aDutp3x+xdVasPFNjEzyPyy?=
 =?us-ascii?Q?aWGoEdQeejuXpwG3ceEUVXoB0pBQelu2Nr+T/QEsqX3rkb846DCQt4EwR5Nb?=
 =?us-ascii?Q?qGxn58Gh1EUSSEeOw5EbY7mdcBqCAnIf4ddIFVrWglRKGBOi/vaygr4bTdvw?=
 =?us-ascii?Q?n2p4MefQgwvOefdvK8oqJUkbUzeE/juyuOf0FU+D3VMQBaJo9oJIgTx0V1eI?=
 =?us-ascii?Q?Orl1KUnv8kq95KYkcmzvO1gPUdf4ThD8gKB8TMGSFXhYh2fX2+HwAD9JyJHw?=
 =?us-ascii?Q?fRSot9KVuQhrdS+kNUR8+gkM+q3Y/PnrDIfUekeU06rhj4G7ww7
	19gcuXlWK?=
 =?us-ascii?Q?xPKoFkjTQHRpP0dYyPJFvGwKaHLCcDCRxTx9m+28+TqNn4s39F3J+M99Y7AZ?=
 =?us-ascii?Q?7Fkuss3GxadoC/2s+vtsiUIYVJ/+ULq31OGab1LwMaDCngIJotHwduHgs6Ps?=
 =?us-ascii?Q?YNHpanprjGg3r/sfEEe9nktPKnagjl8JiBgsIj65yvf5JnaixzPQZsLKVEp/?=
 =?us-ascii?Q?yXbeQo0Iva0kb6q5TQtvaPKKXHTx6EC2ExwHf+qY6y8RSVqEu4MlpeUAlEnz?=
 =?us-ascii?Q?MVrZTBNJ9+S5aMRjffvQlW0dkM8q7EMdVzL4gbdtLzz4XlCkA92AybTpglqH?=
 =?us-ascii?Q?bitHyn8A4/K2L9Gsty61KfF43UURJl7c0EZx+cGgJfqAQ7gH/CU74WgkFnGX?=
 =?us-ascii?Q?LsfJASHH9o347hpFtA8uuFrfMIJuL6X/qq+VXnHBf33drT/eXI4yf68E7iwP?=
 =?us-ascii?Q?3ylxxDao0rF/7pApZa/zRkHVnuTTVtHoxpHRn/XPCLqCxV0cnBlvDsjy+wO8?=
 =?us-ascii?Q?erxyu3T1PLcKGQPDiH5IAbf023RaYTbctw5ODopHwOH4CT+dWQy6uD0vLU0K?=
 =?us-ascii?Q?72m86vxlNlsDxJQPfOrM6ggO2VCPvqpPlLOH7ifW+2tBmmnSPs8lPcOkTQAC?=
 =?us-ascii?Q?wAeicUlghbeijDEOl2urm/f/ZxvlgGafOTLnDGPkl+ogq2b7JkN6HnY4MmRS?=
 =?us-ascii?Q?WV/WNffMbTmf8CbZll6S2S5gK0E35PcFe+7audDuafUDSWS9MeBEReyiRJvx?=
 =?us-ascii?Q?yKt8UgFVXCVTzen9jN8haTkJdPqL8F1rcpvKy
	sYIepcp6PbrAzIz2P0SS8wY?=
 =?us-ascii?Q?8YDHrcWR3oSCS4y+5PGda0/NSNylU7WuVwbzIi8pAGAGBIXGSRQAi8IDE9eM?=
 =?us-ascii?Q?2/k1GIelGOM015240YpDJjvgGCfG0C5rSRl52Bpxi4ZcK9MbNSXFdTlOuL0f?=
 =?us-ascii?Q?gL1fSmxG2C49kexUSAp8BR5cZ0fOltUjOfswt33KIGZ0CRVfoul8vDYc4WXj?=
 =?us-ascii?Q?xp8lEpbsTB0abmzXOO5LJDM+ITAHxy/dJs70X8qvEAoOEVvXjowTgVGK1Mld?=
 =?us-ascii?Q?37rNG0FXOmMLqUw+rSba6dOJZo04f3IFDkzt9ua8QfuzkCQtFSNIy3qEinrC?=
 =?us-ascii?Q?66ZtQsXUmgoTh7U4zTnQoi9zCY3Y4PhvpzHYRB9d3BwiZI3uv61NlZXPAsLr?=
 =?us-ascii?Q?BE2IhGArsnyHea4Z+C++XuQ9AJ6eFlmfCJTlFYJCfYVUNhsnplfi59uCnkl7?=
 =?us-ascii?Q?5m1A7W4bm+0YQttQn4ZAFEDD6GM+849xW65igRPNnaQ+mMZ/F/HxBkkqpI9Q?=
 =?us-ascii?Q?iJ1x5YE5CQFY8+wook6pHvCzs4EoaDRkUtaeAbZscbvLMFYZTDMjn9mfc/nI?=
 =?us-ascii?Q?WZ/750YWDb2Mk5D0yZGsYroZgeqZ4gE0/qH4NG6yPeOJ5yFV7xwgwnmeILo3?=
 =?us-ascii?Q?oHUJSPHk9vpcHojn53qFV8yPz+Zxqfmmt/OSpFhwrMrbfjC65TkVEDXOJPkN?=
 =?us-ascii?Q?3gKjiHAq3tTJe+t5qsvzI929E6SGrW3I5KaMNK3k8J2CrQLa4e56waxdXYNw?=
 =?us-ascii?Q?3XsCm3GjuZ8dcS5WeKRFVpj
	/jYufLNln4FG94U5WMsycvviEa/Kw7a6KDGUS?=
 =?us-ascii?Q?u6Y/0u6Is7rZ0CfRWbf1jK1hVoAv9eCiAtG/7ZFas+91IAzY+0MgYfYh8p61?=
 =?us-ascii?Q?hUOR4h89Th2YT3YDNETZV8RIWZ9AVIim2qTnM0fHnZXEw5Y9SCgZZaUZkI06?=
 =?us-ascii?Q?dh3ocmDDoGvUneLtOhrjsn3cKfuBBDb9h5JXPCEk7upXUISpJyiA/Sp/xfbY?=
 =?us-ascii?Q?wJzDk4uFSauYPXbw49q034zdexr3zrDETwZgkC6dPXzQiLHsDMTTgRX5EVKV?=
 =?us-ascii?Q?r7tYqSxzaxzy1NnihYKF1SnihZMDvCgW+4BPBSzw+zQQm85KAhx8nyK7qZYQ?=
 =?us-ascii?Q?rdYQTRGIWizp5oWGD9FcnfwukKiboeptlyXDk33u9Wo4IkpDlFaNB1cx0tk1?=
 =?us-ascii?Q?hCfJkvx3LC4X93BXhqVsrB45jvbfGOqZl5ihFYi2ohp24/Rm5ZiQQWYPV1wJ?=
 =?us-ascii?Q?jy4fsRzeaFDyNDkI71rfTCsHcV9+e3cVVxR6s/C59otg5DY92mWL60JjpO1i?=
 =?us-ascii?Q?6474bcby7TVS2omoIej3TF+4ICfgHiu50S1muKufk91tUXsyGpkxW1nJSFaB?=
 =?us-ascii?Q?I+3MV0iOKkGLPZWH+l3BJOI02bYnXyS4+60xb877Vfl23g0iD0lrrm4C7b8s?=
 =?us-ascii?Q?YCMi4QX5H6+P4bTetY6DZ9InFg=3D=3D?=
Content-Language: en-us
x-ms-exchange-organization-originalclientipaddress: 213.184.53.4
x-ms-exchange-organization-originalserveripaddress: 10.167.16.106
received-spf: None (mail1.rit.ee: no sender authenticity  information available from domain of  postmaster@jupiter.vm.ee) identity=helo;  client-ip=213.184.49.23; receiver=mail1.rit.ee;  envelope-from="prvs=1584c9cdbf=eelo@mfa.ee";  x-sender="postmaster@jupiter.vm.ee"; x-conformance=spf_only
dkim-signature: v=1; a=rsa-sha256; q=dns/txt; d=mfa.ee; s=dkim2018; c=relaxed/relaxed; h=date:message-id:to:subject:from:reply-to:content-type; bh=H5Ejiw6+6IShN9wv+INypqYPSXP0b4D9gef0vWQrHWA=; b=YdLXTNo29gV2IgoxXptjn3SNwk5IKvFIQ+JvOKOJLa1yHGtSx38hESVhZujQb+tWQvDJhLUHgGEZ	r62I0Iad+LkJcH6sPrNnUx7D6TTVpBsdh4fUJ98vCdXe8HQeFRy019jKOHjJ7o+EJFJHIqpl8cvg	wyj91yH5TQufKFyDJWw8h25xWSktZwHp9tRmxbigSijfNCN27p2A4E/F5ACeXJNbBNQFduh5RYQ4	Ci+Z9ksmLZHwbnDyYb4ncZHBbFfBDpdln78JDCqd1FAKehH7+StzZtm8w/bCCCFYnjlFE66fltGG	GgwMB1cnksYyC9CAXK7T/uC46yU7jTRvgDeSZw==
X-OlkEid: 000000001988855259D6ED42901E245C1653462B070034AD76187591974DBF6C4F76951C873A0100020000000000710702BE1E910F45A76421A785AB30BA0000000016DA00001FD083DCEE8A7F41BC0C8D228087ADA3
X-FEAS-BEC-Info: WlpIGw0aAQkEARIJHAEHBlJSCRoLAAEeDUhZUEhYSFhIWUhZXkguLT4lWFpYWFhYWV1RWV1fSFlZSA0NBAcoBQ4JRg0NSFlIWVlIDQ0EBygFDglGDQ1IWUhZSFlbSFlYRllYWEZZWlFGXlFIUEhYSFhIXEhYSFhIWEhZWUgNDQQHKAUOCUYNDUhZSFlZSAEGDgcoDgEGRg0NSFhIWV5IAQYOBygCHRscDAEPAUYNDUhYSFpaSD4NAQMHRiMHGAkFDQ0bKBwcAglGDQ1IWA==
X-FEAS-Client-IP: 10.100.129.69
X-FE-Policy-ID: 22:19:0:SYSTEM
X-Authentication-Warning: eelo-host.mfa.ee: www-data set sender to eelo@mfa.ee using -f
X-FE-Envelope-From: eelo@mfa.ee

Adressaadid: info@justdigi.ee, margo.roasto@mfa.ee, eelo@mfa.ee, 
info@fin.ee, virge.aasa@fin.ee, merili.kriisa@mfa.ee, eelo@mfa.ee

V�lisministeeriumis registreeritud: 15.3-3/2026/166
Kohtuasja number: C-131/26
Vastuse kuup�ev: 11.05.2026
Staadium: Uus menetlus
M�rks�nad: krediidihaldajad ja krediidiostjad; maksek�sumenetlus; v�lgniku 
teavitamine krediidi �leandmisest; menetlusse v�tmise tingimus
�iguslikud vormid: direktiiv 2008/48/E�; direktiiv 2014/17/EL; direktiiv 
(EL) 2021/2167

Dokumentidega on v�imalik tutvuda EELO keskkonnas aadressil
https://eelo.mfa.ee/eelotsus_vaata.php?id=8682

Palun teatage 7 p�eva jooksul, kas kohtuasja temaatika kuulub teie 
vastutusalasse.

Juhul, kui kohtuasja temaatika ei kuulu teie vastutusalasse, palun viidake, 
milline teine ametiasutus sellega peaks tegelema.

Palun teatage, kas Eesti peaks selles eelotsusemenetluses seisukoha esitama, 
ja p�hjendage oma arvamust (ka eitavat seisukohta).

EL �iguse b�roo
V�lisministeerium