Code of Conduct

• EBIC progress reports
• IFF study
• Register of institutions
• Organisations promoting the Code

The purpose of the Code, drawn up by the European Union in March 2001, is to guarantee that consumers receive transparent and comparable information on housing loans in order to encourage cross-border competition. The Commission is satisfied with the overall result despite gaps in the Code's geographical coverage.

More than 3 600 mortgage lending institutions had already agreed to comply with the Voluntary Code of Conduct on housing loans when it came into effect on 30 September 2002.

10.3.2001	Commission Recommendation 2001/193/EC
5.3.2001	Press Release IP/01/305
	Agreement on the Code of Conduct

EBIC progress reports

9.4.2009	Third Progress Report on Implementation in the EU + Addendum of 7 July 2009
13.12.2005	Second Progress Report on Implementation in the EU
14.3.2003	First Annual Progress Report on Implementation in the EU

IFF study

Implementation report

17.6.2003	The IFF study on the implementation of the code of conduct on home loans
1.10.2002	Press Release IP/02/1397

Comments

28.3.2004	EURO COOP comments to the IFF report
November 2003	Reactions of the European consumer association (BEUC) to the study
31.10.2003	Reactions of the European banking industry to the study

Register of institutions adhering to the European Code

Making the Register available on line is an essential step to informing all consumers openly and in real time about whether a given credit institution is complying with the Code.

Country Registers:

	Belgium
	Czech Republic
	Denmark
	Germany
	Estonia
	Greece
	France
	Ireland
	Italy
	Cyprus
	Latvia
	Luxembourg
	Hungary
	Netherlands
	Norway
	Austria
	Portugal
	Slovakia
	Finland
	Sweden
	United Kingdom
6.12.2001	Press Release	IP/01/1755

Organisations promoting the Code

• Asociación de Profesionales Asesores Independientes Finacieros (AIF), Spain