Credit agreements: residential immovable property

This file on credit agreements relating to residential immovable property follows the ordinary legislative procedure, in which Parliament and the Council decide together to produce binding EU law. It was handled by the Economic and Monetary Affairs, Internal Market and Consumer Protection, and Legal Affairs committees, under subjects of banks and credit, consumer information and advertising, and consumers' economic and legal interests. The tabled amendments reference the financial crisis, loans denominated in foreign currencies and Directive 2008/48/EC, and address the annual percentage rate of charge, the European Standardised Information Sheet, tying and bundling of products, costs of maintaining a payment account, and rules on conflicts of interest and staff remuneration. It shares subjects with related files including Implementation of the Consumer Credit Directive 2008/48/EC.