BIS Review 116/2008  1  The picture that people have of the EU shows the Member States and the Union almost as opposing forces, rather than the former coming together to make up the latter.
*  *  *  Distinguished Guests Ladies and Gentlemen It is my pleasure and honour to address this distinguished gathering of top bankers. My remarks this morning are on the regulatory framework for the exchange and use of credit information; this is a subject which is of great relevance for both the development of the financial sector and customer protection.