The integration of european business law c) Deposit guarantee schemes .............................................................................. 318 d) Combatting terrorist financing and money laundering.................. 318 2. Establishments' business ..................................................................................... 319 a) Accounts ........................................................................................................................ 319 b) Payments....................................................................................................................... 320 i) Electronic money ................................................................................................... 320 ii) Payment services .................................................................................................. 320 iii) Cross-border payments, transfers ................................................................ 321 iv) Payment cards ...................................................................................................... 322 v) Interbank payment systems .............................................................................. 322 c) Credit ............................................................................................................................... 322 i) Credit secured on real property ....................................................................... 323 d) Financial collateral .................................................................................................. 323 e) Cross‑cutting provisions relating to financial services .................... 323 i) Distance marketing of financial services ....................................................... 323 ii) Key information documents for packaged retail investment products .................................................................................................................... 324 B. Outlook......................................................................................................................................324 1. Proposed texts ............................................................................................................... 324 a) Separation of activities ......................................................................................... 324 b) European Deposit Insurance Scheme within the framework of the Banking Union (3rd pillar) ................................................................... 325 2. Subjects for consideration .................................................................................. 325 VIII. Insurance law ................................................................................................................329 A. The acquis: creation of the single insurance market...................329 1. The first stage known as Solvency I ........................................................... 330 a) The purpose of the first generation was to coordinate the rules relating to access to the insurance business ..................... 330 b) The purpose of the second generation was to make it easier to exercise the freedom to provide services ........................................... 330 c) The third generation related to the "single licence"........................... 330 388