EMF Annual Conference 2007
Day 1 – Wednesday 21st of November
Welcome speech: Pasquale Giamboi, President, European Mortgage Federation
Keynote speech: ‘The Commission's view on what is required for further integration of Europe’s mortgage markets’
Elemér Tertak, Director, DG Internal Market and Services, European Commission
Session 1: What Future for the Mortgage Industry?
14.45 – 16.00 Panel discussion session 1
- Looking back on the Commission’s initiatives in the area of mortgage lending and general retail banking, what future for the mortgage industry in Europe?
- Putting the White Paper on Mortgage Credit in the context of the Green Paper on Retail Financial services and the Single Market Review
- A discussion of key issues on the road to EU Mortgage Market Integration: cross-border funding of mortgage loans, enforcement procedures, credit registers, land registers, valuation standards
Moderator: Annik Lambert, Secretary General, European Mortgage Federation
Panelists:
- John Purvis, Member of the European Parliament
- Eric Ducoulombier, Deputy Head of Unit, DG MARKT, European Commission
- Mike Bradford, President, Association of Consumer Credit Information Suppliers (ACCIS)
- Michael Coogan, Director General, Council of Mortgage Lenders
- Bernhard Scholz, Member of the Board, Münchener Hypothekenbank
Keynote speech: ‘After the subprime crisis; time for a new European legislation?’
Pervenche Berčs, Chairwoman, Committee on Economic and Monetary Affairs, European Parliament
Session 2: Consumer Issues: Continuing the Dialogue
17.00 – 18.15 Panel discussion session 2
- A look at and discussion on the key consumer protection issues in Europe (consumer information, early repayment, APRC, duty to advise)
- The Code of Conduct on Home Loans: the way forward
- Customer mobility issues
Moderator: Annik Lambert, Secretary General, European Mortgage Federation
Panelists:
- Eric Ducoulombier, Deputy Head of Unit, DG MARKT, European Commission
- Rodrigo Gouveia, Secretary General, EURO COOP
- András Botos, Secretary General, Association of Hungarian Mortgage Banks
- Peter Engberg Jensen, Group Chief Executive, Nykredit
- Wolfgang Kälberer, Head of the Brussels Office, Association of German Pfandbrief Banks
Day 2 – Thursday 22nd of November
Keynote speech: 'Monetary and financial stability: the role of mortgage markets' Philippe Moutot, Deputy Director General, Economics DG, European Central Bank
Session 3: Outlook for the EU Mortgage and Housing Markets
9.30 – 11.00 Panel discussion session 3
- What are the key challenges to the developments of the EU’s mortgage and housing markets and how can these be tackled?
- How have the levels of competition and efficiency in the EU’s mortgage lending markets evolved over time?
- The impacts of demographic changes on the EU’s housing markets
- Housing supply and house prices in the EU
Moderator: Adrian Coles, Director General, Building Societies Association
Panelists:
- Simon Low, Director, Oliver Wyman
- David Miles, Chief UK Economist, Morgan Stanley
- Tony Moroney, Director, EBS Building Society
- Tomás Riestra, Senior Economist, BBVA
- Jean-Michel Six, Chief Europe Economist, Standard and Poors
Session 4: A House for Everyone? Home ownership and affordability
11.30 – 12.45 Panel discussion session 4
- How to achieve the right balance between consumer protection and the right to own property for low-income households?
- What have been the latest lender developments to improve affordability?
- A look at sub-prime lending in the US – and the lessons for Europe – and the EU, will the EU ever resemble the US?
- Should usury caps be scrapped?
Moderator: Andrew Heywood, Deputy Head of Policy, Council of Mortgage Lenders
Panelists:
- Keith Hale, Technical Specialist – Mortgages, Financial Services Authority
- Hugh Harper, Partner, McKinsey & Company
- Ruud Vermeulen, Economist, Financial Stability Division, European Central Bank
- Bernard Vorms, Director, ANIL (National Agency for Information on Housing)
Session 5: Mortgage Lending in Action. Developments and Innovation in Residential Mortgage Lending
14.45 – 16.00 Panel discussion session 5
- A look at and discussion of the latest developments in mortgage products i.e: reverse equity loans, longer term repayment mortgages, buy to let mortgage loans, payment holiday mortgages, green mortgages…
- How are mortgage lenders innovating in their product offering to meet the dual challenges of regulation and a dynamic demand?
Moderator: Tammo van Leeuwen, Head of Product Management, Business Architects
Panelists:
- László Harmati, Deputy Chief Executive, Land Credit and Mortgage Bank (FHB)
- Tony Moroney, Director, EBS Building Society
- José Ramón Ormazabal, Advisor on European Affairs, Spanish Mortgage Association
- Mike Schneider, Academic Assistant, European Center for Financial Services
- Claude Taffin, Director Economic and Financial Studies, Union Sociale pour l’Habitat
Session 6: The latest developments in mortgage funding in Europe
16.00 – 17.15 Panel discussion session 6
- An update on the latest developments in Covered Bonds, RMBS and other mortgage funding instruments in the EU, and an outlook on future developments
- Towards a common framework for covered bonds
Moderator: Paul O’Connor, Head of Wholesale Banking & Risk, Irish Banking Federation
Panelists:
- Patrick Amat, Chief Executive Officer, Caisse Centrale du Crédit Immobilier de France (3CIF)
- Ralf Grossman, Head of Covered Bond Origination, Société Générale
- Louis Hagen, Executive Director, Association of German Pfandbrief Banks
- Rick Watson, Managing Director and Head, European Securitisation Forum
The list of the confirmed speakers and panelists is available here
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