mortgage regulation
APRA Chair John Lonsdale - Speech to Australian Banking Association Conference 2025
… July 2025 Print Email Striking the right balance between regulation and risk Key points “Whether it’s the prospect of … plus a range of other policy-relevant terms; for example regulation, taxation or legislation. Using this method … may be a prerequisite for long-term economic growth, but regulation isn’t cost-free. Compliance costs money, consumes …
What makes good prudential supervision?
… leverage, poor underwriting standards in the US subprime mortgage market, shortcomings in governance and risk … and ADI housing lending, against the background of higher mortgage rates. APRA's thematic work in the ADI industry also … to recent corporate failures. The Australian Prudential Regulation Authority (APRA) is the prudential regulator of …
Stress testing insurers during COVID-19: results and key learnings
… by gross written premium (GWP), and four active lenders mortgage insurers (LMIs) (covering most of the sector by … financial system. COVID-19 The Australian Prudential Regulation Authority (APRA) is the prudential regulator of …
Soft Stuff
… in a world of deregulation and aversion to ever more regulation, supervision will assume an even more important … will fill needs that might otherwise have been met by regulation. And an understanding of risk culture and its … to be so important, and how we are tackling them in our regulation and supervision. Footnotes For example, see this …
Prudential issues in securitisation
… maintained good lending discipline, abetted by the lenders mortgage insurance companies supporting the market. In … Thank you for your attention. The Australian Prudential Regulation Authority (APRA) is the prudential regulator of …
Macro prudence vs macro-prudential supervision
… exposed to a terms of trade shock. In our supervision and regulation, we seek to create an Australian financial system … States and Europe. In other words, those institutions that regulation is set up to protect most carefully, failed most … We removed capital arbitrages between the ADI and lenders mortgage insurance industries, and greatly increased the …
APRA Chair Wayne Byres - Speech to the Risk Management Association Australia CRO Board Dinner
… remarks to reflect on these past five years of prudential regulation in Australia, and what they mean for the future. … from late 2014 as we intervened quite assertively to lift mortgage lending standards. At the time, our actions were … sailed through or that some further strengthening of regulation was not justified. Risk The Australian Prudential …
Individual challenges and mutual opportunities
… align with measures to target higher risk residential mortgage lending, as well as the high concentration in … to reduce further the remaining residual difference in mortgage lending risk weights, delivering on the second … and (simultaneously) a desire to avoid differences in regulation creating competitive inequalities when different …
APRA announces ‘unquestionably strong’ capital benchmarks
… new benchmarks by 1 January 2020 The Australian Prudential Regulation Authority (APRA) today announced its assessment on … contact APRA on 1300 558 849 . The Australian Prudential Regulation Authority (APRA) is the prudential regulator of …
APRA Executive Director of Cross-industry Risk Chris Gower – speech to RMA CRO Conference 2025
… increased focus, here and internationally, on the costs of regulation and the need to ensure regulatory requirements do … but also identifying opportunities for better balanced regulation to help support competition and efficiency where … Corporate Plan reflects the scrutiny on the costs of regulation that, driven by stubbornly low productivity …
APRA: The global financial crisis and beyond
… credit quality and capital requirements for lenders mortgage insurers) and in the supervision of conglomerate … transparency and accountability, enhancing sound regulation, promoting integrity in financial markets and … Supervision, the global standard-setting body for banking regulation. This was a welcome development, ensuring that we …
Mutuals: A look back and ahead
… rate floor. Applying a floor, based on the average mortgage rate over at least one interest rate cycle, would … that are estimated in your models while paying off a large mortgage. We would expect serviceability models, at the … improvement. Some final thoughts And what of prudential regulation? Prudential regulation has taken APRA and mutual …
APRA Deputy Chair Margaret Cole - Remarks to the Conexus Retirement Conference
… be good reasons for making this decision, say to pay off a mortgage, and each individual’s circumstances are unique, … Thank you. Margaret Cole The Australian Prudential Regulation Authority (APRA) is the prudential regulator of …
APRA Chair Wayne Byres - Speech to the Financial Stability Institute (FSI) Executives’ Meeting of East Asia-Pacific Central Banks (EMEAP) – Basel Committee on Banking Supervision (BCBS) High Level Meeting
… welcome, let me say again that the Australian Prudential Regulation Authority (APRA) and the Reserve Bank of Australia … standards then need to be translated into domestic regulation; bank policies, systems and frameworks then have … give three recent examples: The first is in the area of mortgage lending. In 2014, we initiated a quite intensive …
Deputy Chair John Lonsdale - speech to Customer Owned Banking Association (COBA) 2020 Convention
… contact APRA on 1300 558 849 . The Australian Prudential Regulation Authority (APRA) is the prudential regulator of …
The Australian banking system under stress – again?
… exposures, contributed only a fifth of total losses. The mortgage portfolio alone was not the principal driver of losses, a reflection of the structure of the domestic mortgage market as well as the general tightening in lending … Settlements, May 2009. The Australian Prudential Regulation Authority (APRA) is the prudential regulator of …
APRA releases international capital comparison study
… 13 July 2015 Print Email 15.18 The Australian Prudential Regulation Authority (APRA) has today released the results of … contact APRA on 1300 558 849 . The Australian Prudential Regulation Authority (APRA) is the prudential regulator of …
Therese McCarthy Hockey remarks to COBA CEO and Directors Forum
… that customers are rewarding them for it; and leveraging mortgage broker channels to reach more customers. The data … - Australian Banking Association The Australian Prudential Regulation Authority (APRA) is the prudential regulator of …
Opening Statement to the House of Representatives Standing Committee on Economics - October 2020
… loan repayment deferrals and expectations in relation to mortgage serviceability assessments. 11 May (and weekly … contact APRA on 1300 558 849 . The Australian Prudential Regulation Authority (APRA) is the prudential regulator of …
Opening Statement to Senate Economics Legislation Committee - October 2020
… loan repayment deferrals and expectations in relation to mortgage serviceability assessments. 11 May (and weekly … contact APRA on 1300 558 849 . The Australian Prudential Regulation Authority (APRA) is the prudential regulator of …