Opinion of the European Economic and Social Committee on the Proposal for a Directive of the European Parliament and of the Council amending Directive 2014/65/EU on markets in financial instruments — [COM(2018) 99 final — 2018/0047 (COD)] — Proposal for a Regulation of the European Parliament and of the Council on European Crowdfunding Service Providers (ECSP) for Business [COM(2018) 113 final — 2018/0048 (COD)]