尽管2008年危机后全球银行监管的主要基准 — — 巴塞尔银行监督委员会（Basel Committee on Banking Supervision）建议实施旨在强化金融系统的改革，但按揭监管变化甚微。
Although the Basel Committee on Banking Supervision, the primary global benchmark for bank regulations, proposed reforms after the 2008 crisis that are aimed at strengthening the financial system, mortgage regulations have changed little.