(S (S (BASENP (NNS Plans)) (VP (VP (VP (VBP are) (ADVP (RB also))) (ADJP (JJ underway))) (S (VP (TO to) (VP (VP (VP (VB bring) (PRT (RP in))) (NP (BASENP (JJ Europe-wide) (NN regulation)) (PP (IN of) (BASENP (NN credit) (NN card) (NNS fees))))) (PP (IN in) (BASENP (NN 2014)))))))) (PERIOD .))