https://eur-lex.europa.eu/eli/dir/2019/1152/oj
https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/704057/Policy_Note_-_Exceptions_and_Licences.pdf
http://www.debtwire.com/pdf/EuropeanNPLFY18!.pdf
https://www.ft.com/content/36ae6198-9ee1-4144-96c1-039bd7e32893