mortgage regulation
Response to submissions: Capital treatment of mortgages under the First Home Loan Deposit Scheme
… home buyers through a Government guarantee of eligible mortgage loans for up to 15 per cent of the property purchase … Capital treatment APRA proposed adjusting the residential mortgage capital requirements detailed in Prudential Standard … contact APRA on 1300 558 849 . The Australian Prudential Regulation Authority (APRA) is the prudential regulator of …
Consultation on the capital treatment of mortgages under the First Home Loan Deposit Scheme
… home buyers, through a Government guarantee of eligible mortgage loans for up to 15 per cent of the property purchase … effect to this lower capital requirement by adjusting the mortgage capital requirements set out in Prudential Standard … Policy and Advice Division Australian Prudential Regulation Authority Yours sincerely, John Lonsdale Deputy …
Strengthening residential mortgage lending assessments
… Home Search Content Letters Strengthening residential mortgage lending assessments Wednesday 6 October 2021 Print Email Letter to ADIs: Strengthening residential mortgage lending assessments PDF 537.83 KB Published 6 October 2021 The current environment for residential mortgage lending is underscored by very low interest rates …
Regulation impact statements
… Breadcrumb Home Search Content Regulation impact statements The Regulation Impact Statement (RIS) process seeks to assist … impact statement October 2018 RIS ARS 223 Residential mortgage requirements for authorised deposit-taking …
Is self-regulation dead?
… Breadcrumb Home Search Content Is self-regulation dead? 8 August 2019 Wayne Byres, Chairman – … morning, I’ve been asked to answer the question: is self-regulation dead? To cut to the chase, my answer is that I … This was a classic excuse in APRA’s intervention in mortgage lending: many industry participants were …
Response to submissions - Changes to quarterly authorised deposit-taking institution property exposures (QPEX)
… incorporate more detailed aggregated data on residential mortgage lending than in previous publications. APRA will now source residential mortgage lending data from Australian Reporting Form ARF … information under section 56 of the Australian Prudential Regulation Authority Act 1998 (APRA Act). APRA currently …
Scrutiny of securitisation practices
… KB Published 7 December 2020 The Australian Prudential Regulation Authority (APRA) has recently identified that some … deposit-taking institutions (ADIs) repurchased residential mortgage loans that were subject to repayment deferral from …
Letters to authorised deposit-taking institutions in 2017
… Letter: Further measures to reinforce sound residential mortgage lending practices March 2017 PDF 350.22 KB Issued 31 …
Macroprudential policy: consultation
… attachment to APS 220 focus on risks in residential mortgage lending and commercial property lending; together, … guidance in Prudential Practice Guide APG 223 Residential Mortgage Lending. Once the proposed attachment to APS 220 … ratios, under Reporting Standard ARS 223 Residential Mortgage Lending. APRA’s proposed amendments to ARS 223 can …
Register of general insurance
… Company Limited Ansvar Insurance Limited ANZ Lenders Mortgage Insurance Pty. Limited Variation of licence conditions: ANZ Lenders Mortgage Insurance Pty Limited PDF 65.09 KB Takes effect 1 April 2008 Arch Lenders Mortgage Indemnity Limited Notice revoking conditions on …
Macroprudential Policy credit measures
… reporting. 4 Under Reporting Standard ARS 223 Residential Mortgage Lending, DTI is defined as the ratio of the credit … . Include the credit limit of any debts, such as other mortgage lending, personal loans, credit-cards, consumer … has updated Prudential Practice Guide APG 223 Residential Mortgage Lending to align with new requirements for a prudent …
Contingent liquidity: final guidance
… KB Published 18 November 2021 The Australian Prudential Regulation Authority (APRA) is today releasing its final …
Letters to authorised deposit-taking institutions in 2010-2015
… 18 February 2015 Letter: Reinforcing sound residential mortgage lending practices PDF 152.77 KB Issued 9 December … APRA releases draft prudential guide on residential mortgage lending PDF 121.76 KB Issued 26 May 2014 Letter: …
APRA Explains - the Financial Claims Scheme
… savings and cheque accounts, term deposits and mortgage offset accounts (where the offset account is a … visit the FCS website . The Australian Prudential Regulation Authority (APRA) is the prudential regulator of …
COVID-19: How APRA prepared for and has responded to the coronavirus crisis
… during the coronavirus pandemic? And where does prudential regulation go from here? APRA’s pre-COVID-19 work: pandemic … close attention to certain business lines, particularly mortgage insurance, trade credit and landlord insurance. In … contact APRA on 1300 558 849 . The Australian Prudential Regulation Authority (APRA) is the prudential regulator of …
A message from APRA Executive Director Sean Carmody
… industries: Banking – making hardship allowances for mortgage and small business customers, and working through … contact APRA on 1300 558 849 . The Australian Prudential Regulation Authority (APRA) is the prudential regulator of …
Proposed changes to quarterly ADI statistical publications
… period, including Reporting Standard ARS 223.0 Residential Mortgage Lending and Reporting Standard ARS 230.0 Commercial …
Consultation on revisions to the new Prudential Standard APS 220 Credit Risk Management
… APRA may also consult on amendments to APG 223 Residential Mortgage Lending (APG 223) around this time, depending on the … Policy and Advice Division Australian Prudential Regulation Authority Yours sincerely, John Lonsdale … be protected by section 56 of the Australian Prudential Regulation Authority Act 1998 and will therefore be exempt …
Democratising data: APRA’s new approach to quarterly reporting
… restrictions contained within the Australian Prudential Regulation Authority Act 1998 (APRA Act). The proposed … feature new and more detailed statistics on residential mortgage lending, such as additional aggregate data on … ' article, December 2019. The Australian Prudential Regulation Authority (APRA) is the prudential regulator of …