translate English to French: THE EUROPEAN PARLIAMENT AND THE COUNCIL OF THE EUROPEAN UNION, Having regard to the Treaty establishing the European Community, and in particular Article 95 (1) thereof, Having regard to the proposal from the Commission1, Having regard to the opinion of the Economic and Social Committee2, Having regard to the opinion of the European Central Bank3, Acting in accordance with the procedure laid down in Article 251 of the Treaty4, Whereas: (1) Directive 97/5/EC of the European Parliament and the Council of 27 January 1997 on cross-border credit transfers5 sought to improve cross-border credit transfer services and notably their efficiency.
LE PARLEMENT EUROPÉEN ET LE CONSEIL DE L'UNION EUROPÉENNE, vu le traité instituant la Communauté européenne, et notamment son article 95, paragraphe 1, vu la proposition de la Commission1, vu l'avis du Comité économique et social2, vu l'avis de la Banque centrale européenne3, statuant conformément à la procédure visée à l'article 251 du traité4, considérant ce qui suit: (1) La directive 97/5/CE du Parlement européen et du Conseil du 27 janvier 1997 concernant les virements transfrontaliers5 visait à améliorer les services de virements transfrontaliers et notamment leur efficacité.