Mortgage Credit Directive Study Consultation Phase

Mortgage Credit Directive Study Consultation Phase

Risk & Policy Analysts Ltd., IRb Europe and EPRD have been appointed by the European Commission (DG FISMA) to support an evaluation of the Mortgage Credit Directive (Directive 2014/17/EU). The letter of appointment can be found here.

The Mortgage Credit Directive aims to create an efficient and competitive Single Market for consumers, creditors and credit intermediaries; provide a high level of consumer protection; and promote financial stability by ensuring that operators in the mortgage credit market act in a responsible manner. It aims to promote consumer confidence; improve consumers’ mobility and ability to make informed choices; promote cross-border activity and create a level playing field within the EU.

The purpose of this study is to assess whether the Mortgage Credit Directive is relevant, effective, efficient and coherent with other EU legislation. It will also assess the added value of the Mortgage Credit Directive and the potential to simplify the regulatory regime and reduce the burden on stakeholders.

We would like to make you aware that the public consultation will close on the 26th June 2020.

Separate questionnaires have been published and are available in English, German and French.

PDF versions of the questionnaires are available under the 'Supporting Documentation' tab in the right-hand side bar.

A link to the privacy notice, detailing how your data is handled, can be found here. 

Should you have any questions or concerns, or are interested in a telephone interview, please do not hesitate to contact either the study team’s project manager, Sophie Upson, or DG FISMA’s project manager, Marco la Marca, at the below addresses:

Thank you in advance for your cooperation and we look forward to hearing your opinions.

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