European Mortgage Federation - European Covered Bond Council
Recent meetings
| Date | Commissioner / Cabinet | Topic | File |
|---|---|---|---|
| 22 Jan 2026 | Almoro Rubin De Cervin Head of Unit | Covered bond issues | SRC |
| 22 Jan 2026 | Almoro Rubin De Cervin Head of Unit | Covered bond issues | — |
| 25 Apr 2025 | Dan Jørgensen Commissioner | Housing | SRC |
| 25 Apr 2025 | Stella Kaltsouni Cabinet member | Housing | SRC |
| 25 Apr 2025 | Stella Kaltsouni Cabinet member | Housing | — |
| 10 Jan 2024 | Tove Ernst Cabinet member | Europe’s Beating Cancer Plan; quality of life” | — |
| 10 Jan 2024 | Tove Ernst Cabinet member | Europe’s Beating Cancer Plan; quality of life” | SRC |
| 02 Dec 2021 | Stefano Grassi Cabinet member | EPBD - Energy efficiency - Minimum Energy Performance Standards | — |
| 02 Dec 2021 | Stefano Grassi Cabinet member | EPBD - Energy efficiency - Minimum Energy Performance Standards | SRC |
| 11 Oct 2021 | Andrea Beltramello Cabinet member | Basel III | — |
| 11 Oct 2021 | Andrea Beltramello Cabinet member | Basel III | SRC |
| 11 Oct 2021 | Tommy De Temmerman Cabinet member | Basel III | SRC |
| 11 Oct 2021 | Tommy De Temmerman Cabinet member | Basel III | — |
| 28 May 2020 | Valdis Dombrovskis Executive Vice-President | COVID-19 relief measures | SRC |
| 28 May 2020 | Valdis Dombrovskis Executive Vice-President | COVID-19 relief measures | — |
| 28 May 2020 | Andrea Beltramello Cabinet member | COVID-19 relief measures | SRC |
| 28 May 2020 | Andrea Beltramello Cabinet member | COVID-19 relief measures | — |
| 06 Nov 2018 | Andrea Beltramello Cabinet member | Covered bonds | — |
| 06 Nov 2018 | Andrea Beltramello Cabinet member | Covered bonds | SRC |
| 20 Feb 2017 | Silvia Bartolini Cabinet member | Low interest rates for efficiency improvements | — |
| 20 Feb 2017 | Silvia Bartolini Cabinet member | Low interest rates for efficiency improvements | SRC |
| 03 Feb 2015 | Valérie Herzberg Cabinet member | EU covered bonds market | — |
| 03 Feb 2015 | Valérie Herzberg Cabinet member | EU covered bonds market | SRC |
Mission & Goals
Established in 1967, the European Mortgage Federation (EMF) is the voice of the European mortgage industry, representing the interests of mortgage lenders and covered bond issuers at European level. The EMF provides data and information on European mortgage markets, which were worth over €9 trillion at the end of 2024 (EU27 + UK, Norway and Iceland). As of November 2025, the EMF has 13 members across 11 EU Member States as well as a number of observer members. In 2004 the EMF founded the European Covered Bond Council (ECBC), which is a platform that brings together covered bond market participants including covered bond issuers, analysts, investment bankers, rating agencies and a wide range of interested stakeholders. As of November 2025, the ECBC has over 120 members across 25 active covered bond jurisdictions and many different market segments. ECBC members represent over 95% of covered bonds outstanding, which were worth over €3.3 trillion at the end of 2024.
EU Legislative Interests
The European Green Deal, Covered Bond Directive (and Review), Mortgage Credit Directive (and Review), Over-Indebtedness, Capital Requirements Regulation & Capital Requirements Directive IV, Banking Union, Crisis Management - BRRD, Financial Transaction Tax, Green Paper on the Long Term Financing of the European Economy, Solvency II, CRA3, MiFid, EMIR, Capital Markets Union (CMU), Savings & Investment Union, SME Financing, Retail Financial Services, Green Mortgages, Green Covered Bonds, Green Bonds, Green Funding, Sustainable Funding, Energy Performance of Buildings Directive (EPBD), EU Securitisation Framework.
Communication Activities
Development of Position Papers on and Responses to Consultations on EU Institution proposals: see https://hypo.org/position-papers for full details. Organisation of industry conferences and events where EU Institution proposals are discussed: see https://hypo.org/events for full details. Further communication activities include the maintenance of a YouTube Channel (https://www.youtube.com/channel/UCnJoD7k228epjD3q7q8UKrw/feed) and a LinkedIn profile (https://www.linkedin.com/company/european-mortgage-federation).
Interests Represented
Promotes their own interests or the collective interests of their members
Member Of
The EMF-ECBC is a member of the following bodies: - The European Banking Industry Committee (EBIC) - The European Network for Housing Research (ENHR) - The Federation of European & International Associations Based in Belgium (FAIB) - The International Valuation Standards Council (IVSC) - The International Union for Housing Finance (IUHF) - The International Secondary Mortgage Markets Association (ISMMA) - The European Society of Association Executives (ESAE)
Organisation Members
List of EMF Members available at: https://hypo.org/emf-members List of ECBC Members available at: https://hypo.org/ecbc-members
Additional Information
This figure is based on the total amounts incurred in financial year 01/01/24-31/12/24 covering the cost centres detailed in the Transparency Register's Guidance Notes.