Local view for "http://purl.org/linkedpolitics/eu/plenary/2012-11-19-Speech-1-195-000"
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"en.20121119.24.1-195-000"2
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". − Mr President, first I would like to express the Commission’s thanks to Mrs Collin-Langen for preparing, on behalf of Parliament, the resolution on the implementation of the Consumer Credit Directive in the European Union. This resolution is important because it represents the voice of European citizens on the important issue of borrowing, which is a sensitive area for individuals and for the European economy. While borrowing helps in everyday life, its use can also be a source of problems if not managed in an adequate manner. This is particularly relevant in the context of the current economic crisis.
The current EU legislation, the Consumer Credit Directive, adopted in 2008, intends not only to enhance the single market for consumer credit, but also to ensure a high level of consumer protection. The Commission recognises the main message of the draft resolution which points to the fact that the Consumer Credit Directive is not yet fully implemented in the Member States. We also welcome the opportunity for advertising and marketing practices to be strictly monitored and for consumers to obtain adequate explanation regarding the risk they take when entering into a credit agreement.
In line with the resolution there is certainly room for work by the Commission, in close cooperation with the Member States, to improve the implementation and enforcement of this important piece of legislation. The Commission is currently checking that the Consumer Credit Directive has been correctly transposed into national legislation by the Member States. In 2013 the Commission will organise dedicated meetings with the Member States in order to discuss concrete issues relating to the implementation and enforcement of the directive. In line with the requirements of the directive, the Commission is currently preparing a report on its implementation which is due to be published in June 2013. I can inform Members that, also for 2013, the Commission is planning a specific action in selected Member States aimed at further empowering consumers through awareness raising and education on the rights granted to them by the Consumer Credit Directive."@en1
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