Persons who merely introduce or refer a consumer to a creditor or credit intermediary on an incidental basis in the course of their professional activity, for instance by indicating the existence of a particular creditor or credit intermediary to the consumer or a type of product with this particular creditor or credit intermediary to the consumer without further advertising or engaging in the presentation, offering, preparatory work or conclusion of t ...[+++]he credit agreement, should not be regarded as credit intermediaries for the purposes of this Directive.

The Employment Guidelines and the Broad Economic Policy Guidelines should be fully reviewed only every three years, while in the intermediate years until 2008 their updating should remain strictly limited to ensure the degree of stability that is necessary for effective implementation.

The Employment Guidelines and the Broad Economic Policy Guidelines should be fully reviewed only every three years, while in the intermediate years until 2008 their updating should remain strictly limited to ensure the degree of stability that is necessary for effective implementation.

It is also noted that in Canada, a FATF country, members of the legal profession have been excluded from the scope of similar anti-money laundering legislation pursuant to the ongoing constitutional challenge by their Bar Association and Law Societies.

12. Invites the EU, therefore, to adjust the current CARDS Programme (at legislative or procedural and/or guideline levels) in order to ensure that the following areas become a priority for EU assistance: parliamentary cooperation; support for the creation of sound legal and judicial systems; the national and transnational fight against corruption and organised crime, in particular trafficking in human beings, drugs and arms; support for educational and vocational training systems; support for building up independent and fair media and an active civil society – all elements which will bring the Stabilisation and Association Process s ...[+++]ocieties closer to EU standards and models;

13. Calls on the Court of Auditors to develop a "Richter scale” of errors, which differentiates between small administrative oversights and full-fledged fraud and various errors in between, in order to allow a better appraisal of the scale of the errors;