Borrower-based measures (BBMs) are critical tools in the banking union’s macroprudential policy frameworks. They are designed to promote sustainable lending practices and strengthen the resilience of borrowers, lenders and the broader economy. Over the past decade, the adoption of BBMs has significantly increased across countries in the banking union, likely reflecting their effectiveness. This article reviews ten years of experience with the implementation of BBMs within banking union countries, with a view to facilitating peer learning and providing a comprehensive overview of BBM strategies and applications.
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