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Parliamentary questions
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26 June 2014
Answer given by Mr Barnier on behalf of the Commission
Question reference: E-004751/2014

The Honourable Member refers to practices or attitudes of different operators who are not able to provide citizens with a credit report in various situations of daily life.

The Commission is aware of the importance of access to credit databases when granting credit. That is why both Directives 2008/48/EC(1) and 2014/17/EU(2) contain a provision to ensure that credit databases can be accessed by creditors from other Member States in order to assess the borrowers' creditworthiness. Moreover, the Commission proposal for a directive on mortgage credits of March 2011(3) contained delegated powers to the Commission to define uniform credit registration criteria and processing conditions of such databases, in order to increase their reliability and interoperability. However such measure was not kept in the directive adopted by the European Parliament and the Council(4).

The specific situations described by the Honourable Member are however not covered by the directives quoted above. The issue raised relates to differences in habits and business practices regarding the appreciation of a customer's ability to meet his financial commitments.

Concerning the need to purchase a certificate of conformity (COC) the Commission, unaware of the specificities of the case which arose during the past 20 years, would like to point out that applicable EC law(5) provides that each new motorcycle is accompanied by a COC. Re-registration of a vehicle in another Member State is nowadays facilitated by Council Directive 1999/37/EC(6) on the registration documents which no longer requires the presentation of a COC for the re-registration. This has been confirmed by the Court of Justice in numerous cases (cfr. e.g. Judgment Commission vs. Belgium, C-150/11).

(1)OJ L 133, 22.5.2008, p.66.
(2)OJ L 60, 28.2.2014, p.34.
(3)COM(2011) 142.
(4)Directive 2014/17/EU.
(5)Directive 2002/24/EC, OJ L 124, 9.5.2002, p.1.
(6)OL L 138, 1.6.1999, p.57.

OJ C 402, 13/11/2014
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