Local view for "http://purl.org/linkedpolitics/eu/plenary/2012-11-20-Speech-2-308-000"

Predicate	Value (sorted: default)
rdf:type	lpv_eu:Speech2
dcterms:Date	"2012-11-20"^^xsd:date2
dcterms:Is Part Of	lp_eu:Explanations of vote2
dcterms:Language	"nl"^^xsd:language2
lpv:document identification number	"en.20121120.28.2-308-000"2
lpv:hasSubsequent	lp_eu:2012-11-20-Speech-2-309-0002
lpv:speaker	lp:Bart Staes2
lpv:spokenAs	member; CRIM (2012-03-28--2013-10-23)3 member; G/EFA (2009-07-14--2014-06-30)3 substitute; Delegation to the EU-Kazakhstan, EU-Kyrgyzstan and EU-Uzbekistan Parliamentary Cooperation Committees, and for relations with Tajikistan, Turkmenistan and Mongolia (2012-02-13--2014-06-30)3 substitute; ENVI (2012-01-19--2014-06-30)3 member; Delegation to the EU-Russia Parliamentary Cooperation Committee (2009-09-16--2014-06-30)3 vice-chair; CONT (2012-01-23--2014-06-30)3 substitute; DEVE (2012-01-19--2014-06-30)3 substitute; Delegation to the Euro-Latin American Parliamentary Assembly (2009-09-16--2014-06-30)3 unknown; Groen (2009-07-14--2014-06-30)3
lpv:translated text	". − Although there is still work to be done, the 2008 Consumer Credit Directive contains all the elements necessary for the improved protection of consumers of banks and other credit providers. That is the conclusion of the interim evaluation report that is before us here and for which I voted. The directive governs the (pre)contractual information for consumers, a harmonisation of the period of reflection (14 days), protection in the event of early repayment of debts and the requirement to check beforehand the creditworthiness of consumers. The interim evaluation indicates problems with the transposition of the directive. There are specific problems regarding the obligation to provide information: not all lenders inform the consumer correctly or they provide too much detailed information that is no longer comprehensible. The right to change one’s mind is not always observed, there is still no uniformity in the checking of the creditworthiness of customers and there is the increasing problem of SMS loans, particularly to vulnerable groups and young people. The possibility of early repayment works reasonably well. I follow the reasoning of the rapporteur that all elements are contained in the Directive but that better supervision of the transposition and implementation of the law is required."@en1

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