(89)Member States should designate competent authorities empowered to ensure the enforcement of this Directive and should ensure that those competent authorities are granted investigation and enforcement powers and have adequate resources necessary for the performance of their duties. Member States should also be able to grant product intervention powers to national authorities where credit products are detrimental to consumers and need to be withdrawn. Member States should consider data on monthly default rates associated with different types of consumer credit products relevant to the scope of this Directive. Competent authorities of different Member States should cooperate with each other whenever necessary for the purpose of carrying out their duties under this Directive.