23 In its written observations, the German Government submits that the Court does not have jurisdiction to answer the questions referred on the ground that Directive 2008/48 does not apply to credit agreements secured by mortgages and that the German legislature has not decided, despite the option provided to it by the EU legislature, to apply the rules provided by that directive to areas outside of its scope, such as those of consumer credit agreements secured by mortgages, at issue in the main proceedings.
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