OBS_VALUE: The public procurement rules do not apply to certain financial services, such as the issue, sale, purchase or transfer of securities and other financial instruments. Similarly, credit and loan services are excluded as well. Furthermore, with respect to the financial services that are covered by the Act, access to the public procurement market is not open to all foreigners. Only entities from the EU, EEA, OECD, and WTO GPA countries can participate, as well as entities from countries that have concluded an agreement with Hungary or the EU to that effect.