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European Parliament decision of 21 November approving the appointment of Tonio Borg as a Member of the Commission. New text is highlighted in bold italics. Replacements are indicated by highlighting the new text in bold italics and by deleting or striking out the text that has been replaced.
Whereas statistics show that the take-up of cross-border consumer credit has not increased since the Directive entered into force, although this could be explained by various factors, such as language, but also by the massive problems affecting the financial sector and by the lack of sufficient consumer information about the opportunities of cross-border consumer credit and the rights of consumers when concluding such contracts;. Welcomes the fact that, in preparation for its review, the Commission is already conducting a study of the impact of the Directive on the internal market and on consumer protection, in order to determine exactly what bearing it will have on the take-up of cross-border credit, and applauds the comprehensive work carried out by the Commission and by national legislators and credit institutions;.
Points out that improving the cross-border consumer credit market would generate European added value by boosting the internal market; considers that this could be achieved, inter alia, by better informing consumers about the opportunity to obtain consumer credit in other Member States and about the rights of consumers when concluding such contracts;.
Points out that one of the purposes of the Directive was to ensure the availability of information — thus facilitating the operation of the single market also in the field of credit — and that it is therefore necessary to evaluate whether the number of cross-border transactions is increasing;.
