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.
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
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
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
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