As stakeholders and beneficiaries of the mortgage market, we all share an interest in working together to implement solutions that maintain a robust, transparent credit environment that promotes access to responsible mortgage lending. 6  BIS Review 126/2007
Cybersecurity  The developments in cyberspace are a cause of concern for regulators, financial market participants, business and informed consumers. With the interconnectedness of systems and the ease of Internet access, regulators need to understand the cyber-threats that the financial system is exposed to.