<s>[INST] The next text is a question of a member of the European parliament:"Over the last five years, the indebtedness of households and enterprises and the reduction of lending by credit institutions have led to a dramatic rise in the phenomenon of usury in Greece. There has also been a huge rise in the number of pawnshops and unofficial banking services operating in the country(1).  Usury is a problem which 21 EU Member States(2) are endeavouring to solve through civil and criminal law. However, European legislation on the protection of borrowers(3) does not set a ceiling on the cost of money, which is a matter regulated by national laws.  In view of the above, will the Commission say:      A.  Is there any evidence of an increase in the phenomenon of usury in Europe, especially in southern European countries, during the last few years of economic crisis?      B.  Is there a plan for a concerted approach to tackle usury at European level?      (1)Ira Emke-Poulopoulou: The Cost of the Crisis and the Uneven Distribution of this Cost in Greece, Greek Society of Demographic Studies, 2015, p.115.  (2)http://ec.europa.eu/internal_market/finservices-retail/docs/credit/irr_report_en.pdf, p.45.  (3)Directive2008/48/ΕC on credit agreements for consumers and Directive2005/29/ΕC concerning unfair business-to-consumer commercial practices in the internal market."
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>
Over the last five years, the indebtedness of households and enterprises and the reduction of lending by credit institutions have led to a dramatic rise in the phenomenon of usury in Greece. There has also been a huge rise in the number of pawnshops and unofficial banking services operating in the country(1).  Usury is a problem which 21 EU Member States(2) are endeavouring to solve through civil and criminal law. However, European legislation on the protection of borrowers(3) does not set a ceiling on the cost of money, which is a matter regulated by national laws.  In view of the above, will the Commission say:      A.  Is there any evidence of an increase in the phenomenon of usury in Europe, especially in southern European countries, during the last few years of economic crisis?      B.  Is there a plan for a concerted approach to tackle usury at European level?      (1)Ira Emke-Poulopoulou: The Cost of the Crisis and the Uneven Distribution of this Cost in Greece, Greek Society of Demographic Studies, 2015, p.115.  (2)http://ec.europa.eu/internal_market/finservices-retail/docs/credit/irr_report_en.pdf, p.45.  (3)Directive2008/48/ΕC on credit agreements for consumers and Directive2005/29/ΕC concerning unfair business-to-consumer commercial practices in the internal market.