Structure of the Presentation

Section 1:

Mortgage Consumer Protection Gaps in Europe that Propelled Mortgage Market Crises.

• Consumer Protection Gaps.

Section 2:

Policy Responses at European and National Levels.

• Pre National level • France: Crisis Scrivener 1970s, Consumer Protection Regulation.

Section 3:

Managing Distressed Portfolios.

•  Lending Boom Peak Household Debt Levels 2009.