This paper provides an illustration of the difficulties in harmonising
European Member State legislation and explores the intricacies and
practicalities of successful decision-making in the European Union [EU].
In the aftermath of the Single European Act [SEA], the beginnings of the
Single European Market [SEM] and the initiation of monetary union it
has become evident that financial service sectors need to involve themselves
in the creation of the EU. Through a study of the discussions that
revolved around the creation of the Third Life Assurance Directive this
paper investigates the extent of sector involvement in EU decision-making
and in doing so, analyses the utilisation of interest groups and
supranationality in the process of European regulation formulation
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