On low-income housing and housing finance. Generically, any housing that is limited to occupancy by persons whose family income does not exceed certain preset maximum levels or where the housing price does not exceed certain preset maximum levels. this is not the same as social housing but includes subsidized housing. Responsible for financial disclosure, automatic restructuring, and servicing practices. Coordination with authorities and regulators in development projects. Convergence of HMF and mortgage finance to serve both informal and formal sectors. Consolidation, downscaling, and up-scaling and the benefits of supervision and regulation. Improvements in core banking systems and MIS means a greater potential for Branchless Banking.