Kedipes Launches Family-Backed Debt Relief Program for Aging Borrowers

by THEFUTURE.TEAM

February 9, 2026

Kedipes recently outlined its financial and operational priorities for the second half of 2025 during a detailed briefing last Tuesday. A key takeaway was a notable social trend within its loan portfolio: an increasing share of repayments is being made not by the original borrowers, but by their children.

Emerging Trends In Portfolio Composition

According to the presentation, many debt settlements now involve younger family members stepping in to resolve long-standing obligations. A large portion of Kedipes’ borrowers are of advanced age and often face limited income or restricted access to new credit. In these cases, children frequently contribute funds to protect family assets, most commonly the primary residence.

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Generational Support In Financial Recovery

Internal data shows the average age of Kedipes borrowers is around 60. As many approach or enter retirement, their financial flexibility narrows and refinancing options become scarce. This has led to a growing pattern of intergenerational support, where younger relatives help close outstanding loans, avoid foreclosure proceedings, and reduce the emotional stress associated with prolonged debt disputes. For many families, the priority is preserving the home while restoring financial stability.

Innovative Repayment Solutions

To address these realities, Kedipes has introduced targeted repayment programs that provide meaningful discounts for lump-sum settlements. One scheme allows borrowers with loans secured against a primary residence valued at up to €350,000 to resolve their debt at a reduced amount linked to the current market value. Nearly €300 million in loans have already been restructured through the doValue platform, which manages this segment of the portfolio.

From July 2025, an additional initiative expanded similar discount options to both restructured and performing loans. Demand has been strong, suggesting that flexible settlement terms combined with family support are proving effective in accelerating repayments.

Looking Ahead

Kedipes intends to continue these measures into 2026 as part of its broader portfolio-reduction strategy. Beyond improving balance-sheet metrics, the approach offers practical relief to households working to settle legacy debts. The growing role of family-backed settlements highlights a shift toward cooperative financial solutions that balance institutional recovery goals with social considerations.

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Copyright Law Struggles To Keep Up With AI Training

by News Editor

August 24, 2026

Courts Are Still Applying Old Copyright Rules To AI

AI companies train models on enormous amounts of published material, including books, articles and academic research. Whether using that content without authors’ permission violates copyright law remains unresolved.

Much of the debate centres on fair use, which allows copyrighted material to be used without permission in certain circumstances. Courts consider factors such as the purpose of the use, how much material was involved and its impact on the original market.

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Anthropic Case Sets An Important Precedent

A major case involving Anthropic and a group of authors provided one of the clearest rulings so far. Judge William Alsup found that using copyrighted books to train AI models was lawful, comparing the process to people reading and studying literature before creating something new.

Anthropic was nevertheless ordered to pay $1.5 billion in a settlement. The penalty concerned books the company had obtained from illegal online libraries rather than the AI training itself.

For AI companies, that distinction could prove significant because it separates studying copyrighted material from directly copying it.

Competition Could Be The Key Issue

A case involving Thomson Reuters and Ross Intelligence offers a different perspective. A court ruled that Ross could not claim fair use after using Reuters’ copyrighted material to develop a competing AI-powered legal research platform.

The decision suggests courts may be less willing to consider AI training fair use when copyrighted content is used to build a product that directly competes with the original.

For authors, an unresolved question is whether AI-generated content should be considered competition for the works used to train these models.

The Law Has Yet To Catch Up

US copyright law predates generative AI by decades, leaving courts to apply old principles to new technology. Questions also remain over copyright protection for AI-generated works. In Thaler v. Perlmutter, a court ruled that material created entirely by AI cannot receive copyright protection.

Major AI companies remain involved in copyright litigation, and different courts could reach different conclusions. For now, there is no universal rule: the legality of AI training will depend on the circumstances of each case and how courts ultimately interpret copyright and fair use.

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