Louis Grech (S&D), in writing. − I have voted in favour of the Consumer Credit Directive as I believe it works two-fold, in guaranteeing high levels of protection to consumers, and by strengthening the internal market. It is safe to say that the harmonisation of credit law has substantially improved the level of consumer protection within the EU, and can prove to be a useful tool for the EU to continue to fight barriers such as those linked to language which currently hamper the full realisation of the Single Market and to further help the EU to overcome the current financial and economic crisis.