This edition of Housing Finance International offers a broad selection of different articles, varying from individual country reports to specific housing finance themes. Our first article is written by Raymond Struyk and deals with the current financial risk management capacity of commercial banks in mortgage lending in Rwanda. The overall study was commissioned by the Rwandan Ministry of Finance and Economic Planning. Mr. Struyk’s paper describes how the assessment was executed and its results. Detailed interviews, guided by well-crafted questionnaires, were conducted in the key areas of risk management and mortgage origination, and servicing operations to understand current practices and capacity. Results indicate systemic weaknesses in banks’ risk management practices.