The Court of Justice rules, first, on the inclusion by the Member States of consumer credit agreements secured by immovable prope
rty in the material scope of a national measure transposing the directive, although the directive excludes them from its own scope. The Court points out that the Member States may, in accordance with EU law, apply the directive’s provisions to areas not covered by its scope. Thus, they may, for credit agreements which do not fall within the directive’s material scope, such as, in the present case, credit agreements secured by immovable property, maintain or introduce national measures that correspond to the pro
...[+++]visions of the directive or to certain of them.