mortgage credit

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Focus on a specific tool to combat over-indebtedness… Datio in solutum

Two national initiatives which wipe off debts after having given back the keys of the house / apartment funded by a (mortgage) credit : a contrasted vision about who shall take the initiative ! Italy : Legislative decree adopted in April 2016:  After 18 months-instalments of non-payment (before, under the proposal, it was 7 months-instalments) [...]

By | June 18th, 2016|Hot Topics|Comments Off on Focus on a specific tool to combat over-indebtedness… Datio in solutum

Draft Guidelines on arrears and foreclosure under the Mortgage Credit Directive

2014 - BEUC comments on Draft Guidelines on arrears and foreclosure under the Mortgage Credit Directive BEUC welcomes the opportunity to comment on the Consultation Paper 2014/43 on Draft Guidelines on arrears and foreclosure. The draft guidelines provide detail on how financial institutions should give effect to the relevant Mortgage Credit Directive (MCD) provisions on [...]

By | October 6th, 2014|Reading Room|Comments Off on Draft Guidelines on arrears and foreclosure under the Mortgage Credit Directive

FSUG position on the “Study on means to protect consumers in financial difficulty”

2013 - FSUG Position paper on the "Study on means to protect consumers in financial difficulty: personal bankruptcy, datio in solutum of mortgages, and restrictions on debt collection abusive practices”. ... The FSUG supports most of the conclusions drawn by London Economics, but especially the followings: 1. As over-indebtedness has become more common, there has [...]

By | October 6th, 2013|Reading Room|Comments Off on FSUG position on the “Study on means to protect consumers in financial difficulty”

Study on means to protect consumers in financial difficulty: personal bankruptcy, datio in solutum of mortgages, and restrictions on debt collection abusive practices

December 2012 - London Economics Study on means to protect consumers in financial difficulty: personal  bankruptcy, datio in solutum of mortgages, and restrictions on debt collection  abusive practices Final Report - Contract No MARKT/2011/023/B2/ST/FC Access to the document

By | December 6th, 2012|Reading Room|Comments Off on Study on means to protect consumers in financial difficulty: personal bankruptcy, datio in solutum of mortgages, and restrictions on debt collection abusive practices

Responsible mortgage lending and borrowing

13 September 2010 - EU Commission - Internal Market and Services DG DG Internal Market and Services, Unit H3 – Retail issues, consumer policy and payment services During the legislative process, an expert meeting has been held to collect positions on a set of questions/ propositions. EFIN_EU_consult_mortgage_VF  

By | September 13th, 2010|We Advocate|Comments Off on Responsible mortgage lending and borrowing