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appropriate knowledge of credit products within the scope of Article 3 and the ancillary services typically offered with them;
appropriate knowledge of the laws related to the credit agreements for consumers, in particular consumer protection;
appropriate knowledge and understanding of the immovable property purchasing process;
appropriate knowledge of security valuation;
appropriate knowledge of organisation and functioning of land registers;
appropriate knowledge of the market in the relevant Member State;
appropriate knowledge of business ethics standards;
appropriate knowledge of the consumer’s creditworthiness assessment process or where applicable, competence in assessing consumers’ creditworthiness;
appropriate level of financial and economic competency.