THE EUROPEAN COMMISSION,
Having regard to the Treaty on the Functioning of the European Union,
Having regard to Directive 2008/48/EC of the European Parliament and of the Council of 23 April 2008 on credit agreements for consumers and repealing Council Directive 87/102/EEC [OJ L 133, 22.5.2008, p. 66] (the Consumer Credit Directive), and in particular Article 19(5) t
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