<s>[INST] The next text is a question of a member of the European parliament:"The European Banking Authority’s (EBA‘s) guidelines on product oversight and governance arrangements for retail banking products of 22 March 2016 require banks to comply with certain practices. Many banks find these practices to be unjustified because they are not based on any legislative text, regulation or directive. These guidelines set out new obligations, which were not hitherto required for credit institutions, and could go beyond the scope of competence of the EBA as set out in Regulation (EU) No 1093/2010.There is also a concern that these guidelines exceed the powers of the EBA and contravene the level 1 legislation established by the Commission, the Council and Parliament, thereby undermining the prerogatives of those institutions.In its ruling of 4 December 2019, the French Conseil d'Etat (Council of State), at the request of the Fédération Bancaire Française (French Banking Federation), referred a question to the Court of Justice for a preliminary ruling on a possible excess of power of the EBA in relation to these guidelines.Does the Council intend to send written observations to the Court of Justice before 7 May 2020 as provided for in the Rules of Procedure and the Court’s Statute? If so, what would their content be?"
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>
The European Banking Authority’s (EBA‘s) guidelines on product oversight and governance arrangements for retail banking products of 22 March 2016 require banks to comply with certain practices. Many banks find these practices to be unjustified because they are not based on any legislative text, regulation or directive. These guidelines set out new obligations, which were not hitherto required for credit institutions, and could go beyond the scope of competence of the EBA as set out in Regulation (EU) No 1093/2010.There is also a concern that these guidelines exceed the powers of the EBA and contravene the level 1 legislation established by the Commission, the Council and Parliament, thereby undermining the prerogatives of those institutions.In its ruling of 4 December 2019, the French Conseil d'Etat (Council of State), at the request of the Fédération Bancaire Française (French Banking Federation), referred a question to the Court of Justice for a preliminary ruling on a possible excess of power of the EBA in relation to these guidelines.Does the Council intend to send written observations to the Court of Justice before 7 May 2020 as provided for in the Rules of Procedure and the Court’s Statute? If so, what would their content be?