Medlemsstaterne bør dog frit kunne beslutte ikke at indføre en sådan ordning eller at tillade, at andre enheder spiller en rolle, der er sammenlignelig med udpegede repræsentanters rolle, forudsat at disse enheder er omfattet af den samme ordning som kreditformidlerne.
However, Member States should be free not to introduce such a regime or to allow other entities to perform a role which is comparable to that of appointed representatives, provided that those entities are subject to the same regime as credit intermediaries.