In order to facilitate the emergence of a smoothly functioning internal market with a high level of consumer protection in the area of credit agreements relating to immovable property and in order to ensure that consumers looking for such agreements are able to do so confident in the knowledge that the institutions they interact with act in a professional and responsible manner, an appropriately harmonised Union legal framework needs to be established in a number of areas, taking into account differences in credit agreements arising in particular from differences in national and regional immovable property markets.

Although credit intermediaries play a central role in the distribution of credit agreements relating to residential immovable property in the Union, substantial differences remain between national provisions on the conduct of business and supervision of credit intermediaries which create barriers to the taking-up and pursuit of the activities of credit intermediaries in the internal market.

For reasons of legal certainty, the Union legal framework in the area of credit agreements relating to residential immovable property should be consistent with and complementary to other Union acts, particularly in the areas of consumer protection and prudential supervision.

The Treasury Board real property policy reflects a principles-based approach to the management of federal real property.

Others might take a look at the land holdings regime and realize that if you get that right, you can let ordinary laws of general application do their work for matrimonial property (1235) Mr. Jeremy Harrison: Right.

[7] Needs assessment missions considered the following sectors: health, education, water resources, agriculture, irrigation and food security, humanitarian mine action, water supply and sanitation, macro-economic policy, economic management, including public sector management, trade, price liberalisation, safety nets, investment climate and state owned enterprises, banking and finance, transport and communication, electricity, livelihoods, employment generation and reint ...[+++]egration, labour and social welfare, housing, including urban development and property restitution, local governance capacity building, civil society, rule of law and media.