I see no urgent need for further specific legislation in these areas as you are seriously addressing the challenges yourselves.
Let me recapitulate: Solutions may differ, but should serve the following purposes – in random order: –  refinancing risk must be reduced, – the need for any top-up collateral must be met before it becomes relevant, – the procyclical impact of home financing should be dampened, – and the vulnerability of homeowners to extraordinary changes in financing conditions must be reduced.