The mortgage credit market is regulated by several players, including the Netherlands authority for the financial markets (AFM) and De Nederlandsche Bank (DNB). The AFM is responsible for supervising the conduct of the financial market sector, while DNB safeguards financial stability. In addition, the mortgage credit market has also imposed self-regulation. In a code of conduct, mortgage providers commit themselves to additional rules aimed at preventing excessive lending to consumers. The code of conduct also standardises the way banks determine lending capacity.
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