<s>[INST] The next text is a question of a member of the European parliament:"As things stand, there is virtually no single EU market for mortgages or personal loans. Purchasing of mortgage products is essentially only done on a national basis in theEU.  In the euro area, banks are subject to a single ECB refinancing rate, currently 0%, yet mortgage rates differ drastically from Member State to Member State.  The question that many citizens have asked me is why it is not possible to avail of mortgage products in other euro area Member States.  The Consumer Financial Services Action Plan, launched in March2017, does aim at developing improved cross-border retail financial services. However, it is still doubtful whether citizens will be able to purchase mortgages freely on a cross-border basis, even if the action plan is successfully implemented.  1.Is the Commission committed to developing a single EU market for mortgages and personal loans?  2.Will the Commission outline the building blocks needed to ensure that in future citizens can freely and easily avail of mortgage products in different Member States?  3.Does the Commission agree that more of a focus now needs to be put on developing the single market for consumers rather than the single market for businesses?"
Analyze carefully the text and assign it to the most relevant policy area among those listed below. Do not explain your answer and return only a number.
Policy area numbers: 1 = Macroeconomics
2 = Civil Rights, Minority Issues and Civil Liberties
3 = Health
4 = Agriculture and Fisheries
5 = Labour, employment and pensions
6 = Education
7 = Environment
8 = Energy
9 = Immigration
10 = Transportation
12 = Law and Crime
13 = Social welfare
14 = Regional and Urban issues and Planning
15 = Banking, finance and domestic commerce issues
16 = Defence
17 = Space, science, technology, and communications issues
18 = Foreign trade
19 = International affairs and foreign aid
20 = Governance and government
21 = Public Lands, Water Management and Territorial Issues
23 = Culture and media
[/INST]. Answer = [15]. </s>
As things stand, there is virtually no single EU market for mortgages or personal loans. Purchasing of mortgage products is essentially only done on a national basis in theEU.  In the euro area, banks are subject to a single ECB refinancing rate, currently 0%, yet mortgage rates differ drastically from Member State to Member State.  The question that many citizens have asked me is why it is not possible to avail of mortgage products in other euro area Member States.  The Consumer Financial Services Action Plan, launched in March2017, does aim at developing improved cross-border retail financial services. However, it is still doubtful whether citizens will be able to purchase mortgages freely on a cross-border basis, even if the action plan is successfully implemented.  1.Is the Commission committed to developing a single EU market for mortgages and personal loans?  2.Will the Commission outline the building blocks needed to ensure that in future citizens can freely and easily avail of mortgage products in different Member States?  3.Does the Commission agree that more of a focus now needs to be put on developing the single market for consumers rather than the single market for businesses?