63It should be added that, as has been stated in paragraph 38 of the present judgment, Article 22(1) of Directive 2008/48, interpreted in the light of recitals 9 and 10 in the directive’s preamble, must be understood as meaning that, so far as concerns credit agreements which fall within the directive’s scope — to which the national court refers within the framework of the present question even if they are not the subject of the dispute in the main proceedings — the directive provides for a full and imperative harmonisation which, as regards the matters specifically covered by that harmonisation, precludes the Member States from maintaining or introducing national provisions other than those which it contains.
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