Making apples from pears


'Ever closer union' was one of the stated aims of the Treaty of Rome. 'Easier said than done,' reply the pages of European history. On January 16, the European parliament finally adopted the Consumer Credit Directive (CCD), heralding the end of almost a decade of political debate on the legislation and marking another tentative step toward the goal of harmonisation. So how great a step is it?

Speaking before the European parliament, consumer commissioner Meglena Kuneva said: "At the moment trying

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