OBS_VALUE: Additional source: publication of the Bank for International Settlements ('Red Book'): http://www.bis.org/publ/cpss105_de.pdf; EU-Directive 2007/64/EC: http://eur-lex.europa.eu/LexUriServ/LexUriServ.do?uri=OJ:L:2007:319:0001:01:EN:HTML