Europejski Urząd Nadzoru Bankowego, Raport z wzajemej oceny nadzoru nad traktowaniem kredytobiorców hipotecznych zalegających z płatnościami

EBA/REP/2023/37

December 2023

PEER REVIEW REPORT SUPERVISION OF TREATMENT OF MORTGAGE BORROWERS IN ARREARS

Executive summary

The current interest rate environment gives rise to risks of consumer detriment for borrowers who have difficulty making increased repayments on their mortgages. The EBA therefore decided to carry out a peer review on the effectiveness of competent authorities’ conduct supervision on the Mortgage Credit Directive’s requirements for creditors to exercise reasonable forbearance before foreclosure proceedings are initiated.

This report sets out the findings of the peer review of seven CAs’ conduct supervision of creditors’ treatment of mortgage borrowers in arrears, taking into account the EBA Guidelines on arrears and foreclosure. As a review of CAs’ conduct supervision, this peer review does not assess compliance by MCD creditors. Rather, it focuses on strengthening the consistency and effectiveness of supervisory outcomes across the EU. The peer review does not assess...