In addition, Member States should remain free to regulate information obligations in their national law with regard to advertising that does not contain information on the cost of credit. these two agreements form a business unit from an objective point of view; a commercial entity is present where the supplier or service provider itself finances the credit to the consumer or, if financed by a third party, where the creditor uses the services of the supplier or service provider in connection with the conclusion or preparation of the credit agreement, or where the specific goods or the provision of a given service are expressly indicated in the credit agreement. . . .
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