Small countries often have difficulty interfacing with the major international rule-making bodies, and it is clearly not the case that every such body should be expected to engage individually with about 200 countries. This is where regional groups shine, and among these groups, ASBA has been particularly helpful for Latin American and Caribbean small countries.
16  Figures are from a loan-level dataset held at the Central Bank of Ireland. 17  20 per cent of the value of new mortgage lending is allowed above 3.5 times gross income, 15 per cent is allowed at loan-to-value ratios above the thresholds for primary dwelling homes and 10 per cent of lending at loan-to-values above the threshold for BTL properties.