Is there an information-loss problem for black holes?

Black holes emit thermal radiation (Hawking effect). If after black-hole evaporation nothing else were left, an arbitrary initial state would evolve into a thermal state (`information-loss problem’). Here it is argued that the whole evolution is unitary and that the thermal nature of Hawking radiation emerges solely through decoherence – the irreversible interaction with further degrees of freedom. For this purpose a detailed comparison with an analogous case in cosmology (entropy of primordial fluctuations) is presented. Some remarks on the possible origin of black-hole entropy due to interaction with other degrees of freedom are added. This might concern the interaction with quasi-normal modes or with background fields in string theory.