Publications

News

News, market insights and updates from the EMF-ECBC covering the latest regulatory developments with direct or indirect impact on mortgage credit and covered bonds.

Capital Markets Union & Housing: An historic policy juncture for a new global sustainable housing ecosystem delivering real economy micro and macro opportunities

30 October 2024

Capital Markets Union & Housing: An historic policy juncture for a new global sustainable housing ecosystem delivering real economy micro and macro opportunities

30 October 2024

Social/Sustainability Covered Bonds - Growing Focus on Social Housing

11 October 2024

Green Covered Bonds - An Important Contribution to Climate Neutrality

9 October 2024

Sustainable Covered Bonds: Market Overview

25 September 2024

Achieving Third-Country Equivalence

29 August 2024

Covered Bonds Evolve as They Expand Beyond Traditional Market

28 August 2024

The tranposition of the covered bond directive : taking stock

30 July 2024

Liquidity and Trading Volume in the EU Covered Bond Markets

19 June 2024

Main Conclusions of the Basel III Transposition into the CRR

30 May 2024

Covered Bond Investors Meet the Surge in Issuance with Increased (Above all Short-end) Demand

28 May 2024

Sustainable Data Disclosure - What to Expect ?

29 April 2024

A SUSTAINABLE HOUSING MARKET: TOWARDS A NEW ECOSYSTEM SUPPORTING THE TRANSITION ECONOMY

27 March 2024

Social / Sustainability Covered Bonds - Growing focus on social housing

27 February 2024

Green Covered Bonds - An important Contribution to Climate neutrality

30 January 2024

Sustainable Covered Bonds: Market Overview

23 November 2023

COVERED BONDS IN THE ENVIRONMENT OF RAPIDLY CHANGING INTEREST RATES AND REAL ESTATE MARKETS

26 October 2023

EMF Hypostat 2023 - United in Diversity

28 September 2023

ECBC European Covered Bond Fact Book 2023 - Foreword

30 August 2023

Covered Bond Third Country Equivalence: Pathways And Considerations

13 March 2023

The EMF-ECBC Team Season's Greetings

20 December 2022

Trento EEMI Bauhaus Week: combining smart digital & sustainable solutions to change the market paradigm

19 December 2022

Green Covered Bonds – An important contribution to climate neutrality

29 November 2022

A Sustainable Housing Market: towards a new Ecosystem supporting the transition economy

11 October 2022

Welcome speech by Torsti Silvonen, Deputy Director General – General Market Operations, European Central Bank at ECBC 10-year Covered Bond Label Anniversary in Vienna, 20 September 2022

30 September 2022

ECBC European Covered Bond Fact Book 2022 - Foreword

31 August 2022

EEMI ecosystem: a new market infrastructure providing Energy for the Future

28 April 2022

Green Finance for A Green Economy

28 February 2022

Housing finance can make the difference

17 January 2022

Energy Efficient Mortgages Initiative: The future is in our hands and together we must make the difference

30 November 2021

Sustainable Covered Bonds: A Primer

18 November 2021

Presenting the Energy Efficient Mortgages Initiative

7 October 2021

Covered Bonds at the dawn of a new sustainable world?

7 October 2021

Addressing the challenges of housing: A forthcoming OECD Housing Toolkit can help

31 May 2021

Digitalisation in the covered bond market: A glimpse of the future

31 May 2021

What Next For New Covered Bond Markets?

29 March 2021

Sustainable Covered Bonds: Assessing The Impact Of COVID-19

3 December 2020

HARMONISATION OF COVERED BONDS AND EXTENDABLE MATURITIES – NEW STANDARDS

26 November 2020

INTRODUCTION AND METHODOLOGY

28 October 2020

Between crisis and opportunities, building a better future for our next generation

28 October 2020

How COVID-19 Will Change Covered Bonds

14 July 2020

SEMI-BENCHMARK COVERED BONDS – REFLECTIONS ON AN EMERGING SEGMENT

29 April 2020

LIQUIDITY AND TRADING VOLUME IN THE COVERED BOND MARKETS

30 March 2020

ECB POLICY MEASURES AND COVERED BONDS: A MOVING FINISH LINE

24 January 2020

Hungarian Central Bank (MNB) introduces a Green Preferential Capital Requirement Programme

18 December 2019

EU Covered Bond Legislative Package Published in the Official Journal of the European Union

18 December 2019

European Banking Authority (EBA) Publishes Action Plan on Sustainable Finance

6 December 2019

Video: What challenges does Europe face in renovating its housing stock?

5 December 2019

COVERED BONDS FROM A GLOBAL PERSPECTIVE: EXPANDING THE INTERNATIONAL FOOTPRINT

20 November 2019

COVERED BOND HARMONISATION: A MILESTONE REACHED

22 October 2019

EBA consults on its proposals to create a STS framework for synthetic securitisation

27 September 2019

The European Covered Bond Fact Book 2019, coinciding with the 250th anniversary of the asset class, is now available

29 August 2019

EBA advises the European Commission on the implementation of the final Basel III framework

5 August 2019

EBA issues opinion on measures to address macroprudential risk following notification by Finnish FSA

2 August 2019

EBA amends implementing technical standards on supervisory reporting with regard to financial information (FINREP)

17 July 2019

ECB finalises guide to harmonise rules on banks’ internal models

16 July 2019

EBA, EIOPA and ESMA publish recommendations on the supervision of retail financial services provided across borders

10 July 2019

EBA publishes report on progress made on its roadmap to repair IRB models

10 July 2019

EBA publishes its Risk Dashboard

8 July 2019

European Commission: Consumer market study on the functioning of the real estate services for consumers in the European Union

8 July 2019

EBA Basel assessment sees impact driven by large banks

3 July 2019

S&P Global Ratings' Covered Bonds Primer

25 June 2019

EBA consults on draft Guidelines on loan origination and monitoring

20 June 2019

EBA publishes an update on the impact assessment on the implementation of Basel III

17 May 2019

ECB amends monetary policy implementation guidelines

15 May 2019

EBA adds MCD to its online Interactive Single Rulebook and QA tools

29 April 2019

S&P Global:New Covered Bond Markets Set To Expand Amid Legislative And Market Developments

26 April 2019

Nordic Credit Rating AS (NCR) publishes its first covered bond rating methodology

15 April 2019

European Commission launches an open public consultation on the Directive on Distance Marketing on Financial Services

10 April 2019

Council adopts reform of capital requirements for banks' non-performing loans

9 April 2019

EC publishes the Executive Summary of the Behavioural Study on the Digitalisation of the Marketing and Distance Selling of Retail Financial Services

5 April 2019

COREPER approves the agreed text on the Directive on enforcement and modernisaiton of consumer protection

1 April 2019

FCA publishes Mortgage Market Study final report

1 April 2019

Non-performing loans: Council adopts position on secondary markets for bad loans

27 March 2019

Basel III monitoring results published by the Basel Committee

21 March 2019

EBRD launches €385 million Slovak Covered Bond Framework

15 March 2019

The Ministries of Finance of Estonia, Latvia and Lithuania commenced a joint public consultation on the Interim Report of Introduction of Pan-Baltic Covered Bond Legal and Regulatory framework

14 March 2019

European Parliament Plenary on non-performing loans (NPL)

14 March 2019

ECON publishes its draft report on the proposal for a directive of the European Parliament and of the Council on Credit servicers, credit purchaser and the recovery of collateral.

13 March 2019

EBA publishes final Guidelines on the estimation of LGD under an economic downturn

11 March 2019

European Commission welcomes agreement on EU rules on covered bonds

27 February 2019

EBA consults on Guidelines on credit risk mitigation for institutions applying the IRB approach with own estimates of LGD

26 February 2019

EBA publishes its Consumer Trends Report 2018/19

22 February 2019

ESRB publishes report on macroprudential approaches to non-performing loans

1 February 2019

EBA publishes final guidance regarding the exposures to be associated with high risk

21 January 2019

Basel Committee on Banking Supervision

15 January 2019

1769-2019, Covered bonds: a bridge between tradition & innovation

9 January 2019

Insights on Covered Bonds: 250 Years of European History

8 January 2019

EMF - ECBC 2019 Events Calendar

7 January 2019

EBA provides preliminary assessment on post-implementation impact of IFRS 9 on EU Institutions

21 December 2018

ECB announces end of bond-buying program

14 December 2018

Basel Committee consults on disclosure requirement to address leverage ratio window-dressing

14 December 2018

EBA publishes final guidelines on the STS criteria in securitisation

12 December 2018

ECON Committee & Council Agree Positions on Proposed Framework for Covered Bonds in Europe

29 November 2018

LIQUIDITY AND TRADING VOLUME IN THE EU COVERED BOND MARKETS

19 November 2018

The state of the housing market in the Euro area

19 November 2018

ECON publishes its Draft Report on minimum loss coverage for non-performing exposures (NPE statutory backstop)

13 November 2018

Feasibility study on European secured notes - Final report

6 November 2018

Non-performing loans: Council approves position on capital requirements for banks' bad loans

31 October 2018

Basel Committee calls for further progress in the implementation of Basel III standards

29 October 2018

COVERED BOND PURCHASE PROGRAMME 3: PREPARING FOR THE FINAL

9 October 2018

EBRD boosts covered bond market in Slovak Republic

4 October 2018

EBA publishes the preliminary impact of the Basel reforms on EU banks capital and updates on liquidity measures in the EU

4 October 2018

EUROPEAN MORTGAGE MARKETS QUARTERLY REVIEW Commentary – Q2 2018

27 September 2018

EMF HYPOSTAT 2018: Executive Summary

26 September 2018

EBA: EU banks funding plans indicate increased appetite for client deposits and market-based funding in the coming years

24 September 2018

EBA revises standardised NPL data templates

13 September 2018

EBA publishes QIS templates to assess the impact of the finalised Basel III standards

7 September 2018

EBA launches consultations on supervisory reporting for the reporting framework 2.9 and prepares for its modular release

30 August 2018

EUROPEAN SECURED NOTES AS A NEW ASSET CLASS

24 August 2018

COVERED BOND HARMONISATION: A MILESTONE REACHED

24 August 2018

European Central Bank’s (ECB) Opinion on the proposal for an EU Framework for Covered Bonds (the Covered Bond Directive)

23 August 2018

ECON Draft Reports on Covered Bond Directive - published by Rapporteur Bernd Lucke

18 August 2018

ECBC COVERED BOND STATISTICS FOR 2017

14 August 2018

Scope publishes updated covered bond rating methodology

13 August 2018

EBA publishes its assessment of European Secured Notes

30 July 2018

Finance Norway produces 2030 roadmap to support a low-carbon, sustainable economy

19 July 2018

European Parliament: Competition issues in the Area of Financial Technology (FinTech)

19 July 2018

EBA assesses risks and opportunities from FinTech and its impact on incumbents' business models

18 July 2018

Basel Committee issues revised G-SIB framework

6 July 2018

European Commission: Evaluation Roadmap of the Consumer Credit Directive

6 July 2018

S&P Global Rating: What's Behind The Rise In Green Covered Bond Issuance?

3 July 2018

EUROPEAN MORTGAGE MARKETS QUARTERLY REVIEW Commentary - Q1 2018

28 June 2018

European DataWarehouse Commentary on Italian Loan-Level Data

25 June 2018

European Central Bank (ECB) opinion on mortgage amortisation requirements (SE)

25 June 2018

S&P: Global Covered Bond Insights, Characteristics And Rating Summary Q2 2018

14 June 2018

European Banking Authority (EBA) publishes final amended technical standards on supervisory disclosure

4 June 2018

DANISH NON-PROFIT SOCIAL HOUSING AND MORTGAGE INSTITUTES – A COMMON STAND ON FUTURE FINANCIAL REGULATION

30 May 2018

Landshypotek Bank issues the first ever green covered bond to finance sustainable forestry

29 May 2018

EBA launches two consultations on draft RTS and on a set of Guidelines on the LGD in a situation of economic downturn

23 May 2018

Basel Committee issues capital treatment for simple, transparent and comparable short-term securitisations

22 May 2018

Energy efficient buildings: Council adopts revised directive

16 May 2018

EBA prepares the launch by July of a data collection exercise to answer the Commission's call for advice on the new Basel III framework

9 May 2018

ECBC Chairman’s Note 27th ECBC Plenary Meeting, Vancouver, 18 April 2018

27 April 2018

Covered Bonds in Canada – OSFI’s role in supporting the integrity of the framework — Remarks by Superintendent Jeremy Rudin to the European Covered Bond Council, Vancouver, British Columbia, April 18, 2018

27 April 2018

AN ANATOMY OF A SUCCESSFUL COVERED BOND JURISDICTION

26 April 2018

EBA publishes consultations on its Guidelines Interpreting the STS Criteria in Securitisation

17 April 2018

EBA publishes consultations on its Guidelines regarding Exposures to be Associated with High Risk

17 April 2018

EUROPEAN CENTRAL BANK: Opinion on the legal framework for covered bonds

9 April 2018

European Mortgage Markets Quarterly Review - Q4 2017

30 March 2018

Basel Committee: Revisions to Minimum Capital Requirements for Market Risk for Consultation

26 March 2018

EC Consultation on Basel III rules & CRR Support Letter

16 March 2018

ECB Issues More Guidance on Handling NPLs

15 March 2018

EXTENDABLE MATURITY STRUCTURES: THE NEW NORMAL?

15 March 2018

European Commission - Reducing Risk in the Banking Union: Commission presents measures to accelerate the reduction of non-performing loans in the banking sector

14 March 2018

EBA advises European Commission on the use of prudential backstops to prevent the building up of new NPLs

14 March 2018

The EBA launches consultation on how to manage non-performing exposures

12 March 2018

The EBA CRDIV-CRR/Basel III monitoring exercise shows further improvement of EU banks capital leverage and liquidity ratios

7 March 2018

ESRB recommends EU-wide reciprocation of Finland’s 15% risk-weight floor on Finnish mortgage loan exposures

6 March 2018

Basel Committee proposes changes to Pillar 3 disclosure rules

27 February 2018

The “V” in LTV and why it matters.

26 February 2018

MREL AND TLAC: THE CONSEQUENCES OF BAIL-IN REQUIREMENTS FOR PROTECTED COVERED BONDS

26 February 2018

Sustainable Finance: High-Level Expert Group delivers roadmap for greener and cleaner economy

31 January 2018

European Mortgage Markets Quarterly Review - Q3 2017

22 December 2017

Agreement reached on Energy Performance of Buildings Directive

20 December 2017

EBA report shows that EU banks comply with LCR requirement of 100% ahead of its full implementation

18 December 2017

The Future of Valuations

18 December 2017

EBA publishes its standardised data templates as a step to reduce NPLs

14 December 2017

LIQUIDITY COVERAGE REQUIREMENT IN PRACTICE

13 December 2017

European Commission to consider amending capital charges for Green Mortgages

12 December 2017

EBRD Launches €300 million NPL Resolution Framework

29 November 2017

LIQUIDITY AND TRADING VOLUME IN THE EU COVERED BOND MARKET

22 November 2017

ECB Amends Decision on Third Covered Bond Purchase Programme

20 November 2017

European Commission Consultation on Institutional Investors and Asset Managers' Duties Regarding Sustainability

13 November 2017

European Commission Consultation on Bank Capital to Cover Future Losses on NPLs

10 November 2017

How can actual savings on the energy bill be used to repay energy efficient mortgages?

10 November 2017

Banking Reform: EU reaches agreement on first key measures

30 October 2017

ECB to scale back bond buying, signaling policy shift

30 October 2017

European secured notes provide new funding source for banks; assets pose complex credit risks

30 October 2017

COVERED BOND PURCHASE PROGRAMME 3: IMPLICATIONS FOR PRIMARY AND SECONDARY MARKETS

26 October 2017

European Commission Publishes its Work Programme 2018

24 October 2017

What makes buildings green?

12 October 2017

European Commission Communication on Completing the Banking Union

11 October 2017

RICS draft guidance note - "Bank lending valuations and mortgage lending value (Europe)"

1 October 2017

EMF Quarterly Review of European Mortgage Markets - Q2 2017

29 September 2017

Covered Bond Harmonisation: Where do we stand?

28 September 2017

The good use of statistics: Ownership rates in Europe [1]

26 September 2017

EBA Consultation on Significant Risk Transfer in Securitisation

19 September 2017

Are Covered Bonds Still Enticing for Investors?

13 September 2017

EMF Publishes Hypostat 2017

9 September 2017

ECBC Covered Bond Statistics for 2016

24 August 2017

A New Regulatory Landscape for Covered Bonds

24 August 2017

Capital Intelligence Ratings Request for Comments on Covered Bond Rating Methodology

23 August 2017

EMF-ECBC Presents the EeMAP Initiative as part of the EU Energy Day at Expo 2017 in Astana

24 July 2017

European Commission's High-Level Expert Group on Sustainable Finance Publishes Interim Report

13 July 2017

Council of the EU Publishes Conclusions on the European Commission Communication on the Mid-Term Review of the Capital Markets Union (CMU) Action Plan

11 July 2017

European Parliament Approves Own Initiative Report on Covered Bonds

4 July 2017

EBA Publishes Updated Risk Dashboard

4 July 2017

Market Insights & Updates June 2017

30 June 2017

Market Insights & Updates May 2017

31 May 2017

Opera House Oslo

25th ECBC Plenary Meeting

18 May 2017

Market Insights & Updates April 2017

28 April 2017

Market Insights & Updates March 2017

31 March 2017

Market Insights & Updates February 2017

28 February 2017

Energy Efficient Mortgage Initiative: Second Stakeholder Meeting

20 February 2017

Unlocking Private Investment to Deliver Building Renovation and Clean Energy for All

6 February 2017

Market Insights & Updates January 2017

31 January 2017

A Closer Look At The Brazilian Covered Bond Framework

18 January 2017

Scope’s Covered Bond Outlook 2017: Credit contraction unlikely to unravel

4 January 2017

Market Insights & Updates December 2016

30 December 2016

Driving a Thriving Energy Renovation Market Through Stable Financial Incentives

1 December 2016

Market Insights & Updates November 2016

30 November 2016

Negative Yields & Negative Net Supply of Euro Benchmark Covered Bonds

14 November 2016

EU Regulation – Different Games on a Level Playing Field

2 November 2016

Market Insights & Updates October 2016

28 October 2016

Covered Bond Harmonisation: Where do we stand?

13 October 2016

The Green Side of Success

4 October 2016

Market Insights & Updates September 2016

30 September 2016

Brexit: Potential Impact on Covered Bonds

27 September 2016

Covered Bonds: Mapping a New World

1 September 2016

Market Insights & Updates July - August 2016

31 August 2016

Quarterly Review of European Mortgage Markets - Q1 of 2016

19 July 2016

Danish Mortgages explained – an Ecosystem of Transparency and Digitalisation

12 July 2016

Quo vadis ECB?

9 July 2016

The Future Development of EU Mortgage and Covered Bond Markets, and Implications of the Energy Efficiency Debate

1 July 2016

Market Insights & Updates June 2016

30 June 2016

New opening of the Polish covered bond market

7 June 2016

Basel IV – Challenges & Opportunities

1 June 2016

Market Insights & Updates May 2016

31 May 2016

Financial institutions seldom consider sustainability risks in their ship financing

24 May 2016

The Negative Rate Challenge: Match Funding and a Currency Peg

18 May 2016

The Fog of a War of Words - the Brexit Debate

10 May 2016

Key Takeaways of the 23rd ECBC Plenary Meeting

2 May 2016

Market Insights & Updates April 2016

29 April 2016

DLR Kredit A/S – A specialised provider of agricultural and urban trade property lending

19 April 2016

Covered Bonds are the Answer to Growth and Jobs in the EU

6 April 2016

Market Insights & Updates March 2016

31 March 2016

We Stand United for Europe

30 March 2016

21st of March 2016: MCD-day!

21 March 2016

”La Caution”or the Guaranteed Loan: a specific feature of the French home financing market

16 March 2016

Covered bonds enter negative territory

11 March 2016

Amortisation – A Long Journey

9 March 2016

Market Insights & Updates February 2016

29 February 2016

New Industry Communication Platform: Introducing the EMF-ECBC Blog...

1 February 2016

Market Insights & Updates January 2016

29 January 2016

ECBC Responds to European Commission Consultation on Covered Bonds in the EU

29 January 2016

The Energy Efficiency Debate is Knocking at the Door of Your House

29 January 2016