mortgage regulation
Prudential perspectives on the property market
… Guide on sound risk management practices for residential mortgage lending; and we have conducted numerous hypothetical … level, we intend to review capital requirements for mortgage lending as part of our work on establishing … system is resilient to it. The Australian Prudential Regulation Authority (APRA) is the prudential regulator of …
Opening Statement
… with housing lenders to reinforce sound residential mortgage lending standards. From our perspective, this work … time been working through a transition plan to bring the regulation and supervision of private health insurance into … be happy to take your questions. The Australian Prudential Regulation Authority (APRA) is the prudential regulator of …
APRA Chair Wayne Byres - Speech to the Australian Business Economists
… On 1 July, APRA turned 20. Two decades of prudential regulation have required APRA to tackle all manner of issues, … banking system. I’ll recap our actions to reinforce sound mortgage lending policies and practices over the past few … maintaining sound lending Let me start with residential mortgage lending standards.[3] APRA has been focused for some …
APRA Chair John Lonsdale - Speech to Australian Banking Association Conference 2024
… No one wants unnecessary red tape nor to look to more regulation to solve every problem. Within APRA, we constantly … quite one-sided; heavily focused on the costs of financial regulation but paying little attention to the benefits or why … to offer loans using exceptions to our guidance on mortgage serviceability in cases where they are confident the …
Opening Statement
… issuance of a new Prudential Practice Guide on Residential Mortgage Lending. And we have been discussing with other … the Committee’s questions. The Australian Prudential Regulation Authority (APRA) is the prudential regulator of …
Seeking strength in adversity: Lessons from APRA's 2014 stress test on Australia's largest banks
… of higher interest rates on borrowers’ ability to meet mortgage repayments. Banks typically projected little … estimated an identical underlying loss rate (ie before mortgage insurance) across all mortgage lending LVR buckets. … efficiency even in good times. The Australian Prudential Regulation Authority (APRA) is the prudential regulator of …
APRA: The year ahead
… crisis by the freezing of a number of managed funds and mortgage trusts. As we did in other industries, APRA has … been attracting close scrutiny from APRA has been lenders mortgage insurers (LMIs), which have significant exposures to … be subject to more rigorous standards of prudential regulation than others? Should hitherto unregulated financial …
Regulatory update 2010
… you looked, whether in liability classes, personal lines, mortgage insurance, or even commercial property, loss ratios … Australia. The international scene - financial stability, regulation and insurance Ever since the visibility of the … fails, there can be instability. Q.v. bond insurers and mortgage insurers in the US. But we know more than that. The …
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 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 …
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 …
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 …
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 …
Deputy Chair John Lonsdale - speech to Customer Owned Banking Association (COBA) 2021 CEO & Directors Forum
… the predominate business of Australia’s banking system is mortgage lending, our focus is on ensuring that ADIs manage … from their APRA supervisor. The competition impact of regulation and lending benchmarks will always be an important … report capital ratios using the standardised approach. A mortgage risk-weight floor is proposed for IRB banks, which …
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 …
A new(ish) tool in the toolkit
… price growth; lending indicators: higher-risk residential mortgage lending, business lending conditions, and loan … conditions At an industry level, shares of higher-risk mortgage lending continued to moderate over the September … observations (7 March 2017). The Australian Prudential Regulation Authority (APRA) is the prudential regulator of …
Credit risk reporting – Response to submissons
… KB Published 10 August 2022 The Australian Prudential Regulation Authority (APRA) has released a response to … (ARS 221.0); and Reporting Standard ARS 223.0 Residential Mortgage Lending (ARS 223.0). Background On 7 April APRA …
Beyond data collection: APRA's data modernisation agenda
… of form-based data, which grew over time in line with regulation. Our data warehouse was expanded by bolting on to …