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Published date: 30 September 2015

A European Framework for Simple and Transparent Securitisation (IP/15/5733)

Securitisation is the term used to refer to a transaction that enables a lender - often a bank - to refinance a set of loans/assets (e.g. mortgages, auto leases, consumer loans, credit cards) by converting them into securities that others can invest in. The lender pools a portfolio of its loans into a set of securities tailored to different investor risk/reward characteristics. End investors are then repaid by the cash-flows generated by the underlying loans.

Relevant documents:

Capital Markets Union: an Action Plan to boost business funding and investment financing

Introductory remarks by Commissioner Jonathan Hill at the launch of the Capital Markets Union Action Plan

New EU Rules to Promote Investments in Infrastructure Projects

Call for Evidence: EU Regulatory Framework for Financial Services

Questions and Answers on the Action Plan on building a Capital Markets Union