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European Mortgage Federation (EMF)

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.

In pursuing our aim, we:

  • Provide data and information on European mortgage markets, which were worth over 7.0 trillion EUR at the end of 2015.
  • Encourage the exchange of information and best practices.
  • Provide up-to-the-minute specialist insight into legal, economic, funding and market-related developments;
  • Respond to the EU institutions’ consultations via specialised position papers; and
  • collate and publish in-depth studies and comprehensive EU-wide statistics.

Currently, the EMF has 17 Full Members across 14 EU Member States as well as a number of Observer Members.

The European Covered Bond Council (ECBC) is the platform that brings together covered bond market participants including covered bond issuers, analysts, investment bankers, rating agencies and a wide range of other interested stakeholders.

The Council currently has over 100 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.

The purpose of the ECBC is to represent and promote the interests of covered bond market participants at the international level. The ECBC’s main objective is to be the point of reference for matters regarding the covered bond industry and operate as a think-tank, as well as a lobbying and networking platform for covered bond market participants.