Driving Europe’s housing and sustainable finance forward
We connect institutions, markets and decision-makers for a responsible financial future.
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Become an ECBC member
Connect with a network of +100 professionals who share your ambitions. By becoming a member, you gain exclusive access to events, insights, and opportunities designed to support your growth and impact.
Become an EMF member
Currently, the EMF brings together 13 members across 12 EU Member States, along with several observer members. By joining our community, you become part of a trusted network of institutions and experts committed to advancing shared goals across Europe.
Our members
The EMF-ECBC is the voice of the European mortgage industry on the retail side of the business, representing the interests of mortgage lenders at European level.
Market initiatives
Established in 1967, the European Mortgage Federation (EMF) is the voice of the European mortgage industry on the retail side of the business.
EEMI Bauhaus – Let’s Greenstorm!
The EEMI Bauhaus is a green platform driving innovation and collaboration for a sustainable mortgage ecosystem.
Energy Efficient Mortgage Label
The EEML is a quality label identifying mortgages that support energy-efficient buildings.
International Secondary Mortgage Market Association
The ISMMA unites global secondary mortgage market institutions for advocacy, knowledge sharing, and support.
European Secured Note
The ESN initiative extends dual-recourse funding to SMEs and sustainable assets beyond traditional covered bonds.
EMF-ECBC Energy Efficient Mortgages Initiative
In September 2016, EMF-ECBC launched a pioneering initiative to finance energy-efficient building improvements in Europe.
Covered bond label
The Covered Bond Label enhances transparency and access to information for investors, regulators, and market participants.
Mortgage Consumer Guide
The Guide offers a clear, transparent overview of mortgage steps and explains EU-level regulations in simple terms.
ECBC Covered Bond Comparative Database
The Covered Bond Comparative Database is a unique tool for comparing covered bond jurisdictions and accessing national legislation.
Press release
Established in 1967, the European Mortgage Federation (EMF) is the voice of the European mortgage industry on the retail side of the business.
Our latest publication
Established in 1967, the European Mortgage Federation (EMF) is the voice of the European mortgage industry on the retail side of the business.
Our next event
The ECBC currently has over 122 members across more than 30 active covered bond jurisdictions globally and many different market segments. The ECBC represents over 95% of covered bond issuers in the EU. Currently, the EMF has 13 members across 12 EU Member States as well as a number of observer members.
Driving Europe’s housing and sustainable finance forward
We connect institutions, markets and decision-makers for a responsible financial future.
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Quarterly Reviews
37th ECBC Plenary Meeting – Seville
EMF-ECBC is delighted to share with you the details of the upcoming events, taking place from 15 to 17 September in the beautiful city of Seville.
36th ECBC Plenary Meeting – Athen
The 36th edition brought together more than 200 key decision makers including issuers, investors, government and regulatory officials at national, European.
35th ECBC Plenary Meeting – Porto
The 35th edition brought together more than 200 key decision makers including issuers, investors, government and regulatory officials at national,…
34th ECBC Plenary Meeting – Reykjavik
We were delighted to welcome you all in Reykjavik for the 34th ECBC Plenary Meeting and related events on 14-17 May…
About us
Established in 1967, the European Mortgage Federation (EMF) is the voice of the European mortgage industry on the retail side of the business, representing the interests of mortgage lenders at European level.
The overarching aim of the EMF is to ensure a sustainable housing environment for European Union (EU) citizens. To this end, we are the key talking partner of the European Commission, the European Parliament, the Council of the EU, the European Banking Authority, the European Central Bank and the Basel Committee on Banking Supervision on all mortgage industry-related questions.
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International Secondary Mortgage Market Association (ISMMA)
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Meet our team
Our dedicated team of professionals brings expertise and passion to drive Europe's housing and sustainable finance forward.
James Mitchell
Head of Policy & Research
Anna Kowalski
Senior Policy Advisor
Carlos Rodriguez
Market Development Manager
Our Offices Worldwide
Connect with our team across Europe. We have offices strategically located to serve our members and partners effectively.
Brussels Headquarters
Rue de la Science 14
1040
Brussels
Belgium
London Office
25 Old Broad Street
EC2N 1HQ
London
United Kingdom
Frankfurt Office
Mainzer Landstraße 16
60325
Frankfurt am Main
Germany
Our Offices Worldwide
Connect with our team across Europe. We have offices strategically located to serve our members and partners effectively.
