Abstract
The most significant development in internal market legislation in 2009concerned the regulation and supervision of financial services. This focus isunderstandable. The worst European financial crisis and economic declinesincetheGreatDepressionandunprecedentedEUMemberStategovernmentbail-outs and credit guarantees for a large number of banks created a strongpolitical and populist backlash in many EU Member States against financialinstitutions, and banks in particular (Quaglia
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