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The experience of the Member States in implementing and interpreting the laws that transpose the Mortgage Credit Directive (MCD) serves as a good illustration of the gaps that the law has successfully addressed. However, it also highlights other areas where changes are still necessary and require prompt attention. Although consumer protection and financial stability must continue to be the fundamental principles guiding any legislative action, the regulations need to be adapted to address the challenges presented by digitalisation and sustainable finance, the emergence of new entrants in the mortgage market and the challenges of social inclusion and ageing populations. This book provides a timely overview of the legal and practical evolution of mortgage credit agreements since the adoption of the MCD across thirteen Member States and offers insights into how the European legislator should approach the future regulation of mortgage credit agreements.

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