Without prejudice to the legislative prerogatives of the European Parliament and the Council, by 29 December 2023, the Commission shall submit to the European Parliament and to the Council a report on:
(a) the adequacy of the regulatory framework regarding a potential introduction of caps on charges arising from the event of default applicable to credit agreements concluded with:
(i) natural persons for purposes related to the trade, business or profession of those natural persons;
(ii) SMEs, as defined in Article 2 of the Annex to Recommendation 2003/361/EC;
(iii) any borrower, provided that the credit is guaranteed by a natural person or is secured by assets or property belonging to that natural person;
(b) relevant aspects, including potential forbearance measures, of credit agreements concluded with:
(i) natural persons for purposes related to the trade, business or profession of those natural persons;
(ii) SMEs, as defined in Article 2 of the Annex to Recommendation 2003/361/EC;
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