Add 'What Are Frontier Statistics?'

What-Are-Frontier-Statistics%3F.md

@@ -0,0 +1,351 @@
+<br>How we identify danger and act to ensure monetary stability.<br>
+<br>Financial System Overview<br>
+<br>Money, notes and coins
+<br>Macroprudential Policy
+<br>Countercyclical Capital Buffer
+<br>
+- Financial System Overview
+- Financial Stability - Financial Stability Overview
+- Macroprudential Policy
+- Financial Stability Research
+- Risks for Financial Stability
+[- Market](https://ilandasset.ng) Based Finance Monitor
+- Financial Stability Committee<br>
+<br>- Payments and Securities Settlements Overview
+- Catalyst
+- National Competent Authority
+- National Stakeholder Groups
+- Oversight
+- TARGET Services
+- Payments Systems Approval Process
+- Single Euro Payments Area
+- Irish Retail Payments Forum<br>
+<br>- Operational Resilience and Cyber Overview
+- Operational Resilience
+- Cyber Resilience<br>
+<br>- Climate Change Overview
+- Economic and Financial Interlinkages
+- Financial Regulation and Supervision
+- International Engagement
+- The Central Bank and Sustainability
+- Planning for shift to net zero<br>
+<br>Maintaining cost stability as part of the Eurosystem.<br>
+<br>Monetary Policy Overview<br>
+<br>- Monetary Policy Overview
+- Policy Setting - Policy [Setting Overview](https://deqmac.com)
+- Monetary Policy Role
+- ECB Governing Council and Monetary Policy Decisions<br>
+<br>- Policy Implementation Overview
+- Open Market Operations
+- Standing Facilities
+- Counterparty Eligibility
+- Legal Documentation
+- Collateral Framework
+- Asset Purchase [Programmes](https://alkojak.com)
+- Collateral Management & Provision of Liquidity to Banks<br>
+<br>- Management of Investment Assets Overview
+- Reserve bank's Investment Assets
+- ECB's US Dollar Reserve Assets<br>
+<br>How we control financial services in Ireland.<br>
+<br>Regulation Overview<br>
+<br>Changes to the Russia/Ukraine Regulations
+<br>Fitness and Probity
+<br>Innovation Hub
+<br>Log in to Reserve Bank Portal
+<br>Visit to Credit Union [Auditor Reporting](https://www.metproperty.com)
+<br>Visit to ORION
+<br>Registers.
+<br>
+- Regulation Overview.
+- Innovation-Hub - Innovation-Hub Overview.
+- Engaging with the Innovation Hub.
+- How to engage with the Innovation Hub.
+- Innovation Hub Engagement Form.
+- Innovation Sandbox Programme.
+- Our approach to innovation.
+- Speeches and publications.
+- EU/international innovation online forums.
+- Consultation Paper on Innovation Engagement - CP156<br>
+<br>- Central Bank of Ireland Portal Overview.
+- Returns Guidance.
+- Help.
+- Portal Legal Information.
+- Contact Us<br>
+<br>- How We Regulate Overview.
+- Authorisation.
+- Fitness & Probity.
+- Individual Accountability Framework.
+- Brexit FAQ - Financial Services Firms.
+- Policy.
+- Supervision.
+- Fees & Levies.
+- Regulatory Decisions Unit.
+- Enforcement.
+- Resolution Framework.
+- International Financial Sanctions.
+- Codes.
+- Diversity and Inclusion in Regulated Firms<br>
+<br>- Industry & Market Sectors Overview.
+- Brokers/ Retail Intermediaries.
+- Bureaux de Change.
+- Client Assets/ Investor Money.
+- Credit Institutions.
+- Credit Servicing Firms/ Credit Servicers.
+- Credit Unions.
+- Crowdfunding Company.
+- Debt Management Firms.
+- Electronic Money Institutions.
+- Funds Service Providers.
+- Funds.
+- High Cost Credit Providers.
+- Insurance & Reinsurance.
+- Investment Firms.
+- Money Transmission Businesses.
+- Payment Institutions.
+- PEPP Provider.
+- Retail Credit & Home Reversion Firms.
+- Securities Markets<br>
+<br>- Anti-Money Laundering and Countering the Financing of Terrorism Overview.
+- Correspondence with Industry.
+- EU and International.
+- Events.
+- Financial Sanctions and Terrorist Financing - extra obligations.
+- Registration - Cheque Cashing Offices.
+- Registration - Schedule 2 Firms.
+- Virtual Asset Service Providers.
+- Regulation.
+- Risk and Guidance.
+- Sector specific ML/TF Risk Evaluation Questionnaire.
+- Supervision.
+- TCSP Authorisation.
+- Beneficial Ownership Register.
+- Fund Transfer Regulations Notification Requirement for Payment Service Providers.
+- Ireland Safe Deposit Box Bank and Payment Accounts Register (ISBAR)<br>
+<br>- Consumer Protection Overview.
+- Compliance Monitoring.
+- Legislation for Consumer Protection.
+- Advisory Groups.
+- Central Credit Register.
+- Consumer Protection Outlook Report.
+- European Supervisory Authority Guidelines.
+- Consumer Protection Directorate - Contact Us.
+- Consumer Protection Research.
+- Consumer Protection Code 2025.
+- Consumer Protection Codes and Regulations<br>
+<br>- Markets Update Overview.
+- IOSCO.
+- ESMA Guidelines and Recommendations.
+[- Markets](https://www.qbrpropertylimited.com) Update Archive<br>
+<br>- Protected Disclosures & Whistleblowing Overview.
+- 2024 Report on Protected Disclosures.
+- 2023 Report on Protected Disclosures<br>
+<br>- Markets in Crypto Assets Regulation (MiCAR) Overview.
+- MiCAR - frequently asked concerns<br>
+<br>- Digital Operational Resilience Act (DORA) Overview.
+- Communications and Publications.
+- DORA - often asked questions.
+- Reporting Major ICT-related Incidents and Significant Cyber Threats.
+- [Reporting Registers](https://estatebroker.ng) of Information<br>
+<br>- Unauthorised Firms Overview.
+- Warnings - Unauthorised Firms<br>
+<br>- PSD2 Overview.
+- PSD2 [- Reporting](https://laviniapropertieslanka.com) Requirements.
+- PSD2 - Frequently Asked Questions<br>
+<br>What we release on the economy and about ourselves.<br>
+<br>Publications Overview<br>
+<br>A forum for research study engagement.<br>
+<br>Research Exchange<br>
+<br>Governor's Blog.
+<br>
+- Publications Overview.
+- Behind the Data.
+- Climate Observatory.
+- Consultation Papers.
+- Consumer Protection Research.
+- Correspondence - Correspondence Overview.
+- Oireachtas Correspondence.
+- Department of Finance Correspondence.
+- General Correspondence<br>
+<br>- Corporate Reports Overview.
+- Central Bank Annual Report and Annual Performance Statement 2024.
+- Our Strategy.
+- Annual Reports Archive.
+- Annual Performance Statements Archive<br>
+<br>- Financial Stability Review Overview.
+- Financial Stability Review 2025 I.
+- Financial Stability Review 2024 II.
+- Financial Stability Review 2024 I.
+- Financial Stability Review 2023 II.
+- Financial Stability Review 2023 I.
+- Financial Stability Review 2022 II.
+- Financial Stability Review 2022 I.
+- Financial Stability Review 2021 II.
+- Financial Stability Review 2021 I.
+- Financial Stability Review 2020 II.
+- Financial Stability Review 2020 I.
+- Financial Stability Review 2019 II.
+- Financial Stability Review 2019 I.
+- Financial Stability Review Archive.
+- Macro Financial Reviews.
+- Financial Stability Review 2025 I<br>
+<br>- Quarterly Bulletins Overview.
+- Signed Articles.
+- Quarterly Bulletins Archive.
+- Quarterly Bulletin Q2 2025.
+- Quarterly Bulletin Q1 2025.
+- Quarterly Bulletin Q4 2024.
+- Quarterly Bulletin Q3 2024<br>
+<br>Our function as the leading compiler of Irish monetary statistics.<br>
+<br>Statistics Overview<br>
+<br>Making information accessible for all.<br>
+<br>Open Data Portal<br>
+<br>Innovative insights utilizing frontier approaches.<br>
+<br>Frontier Statistics<br>
+<br>- Statistics Overview.
+- Statistical Publications - Statistical Publications Overview.
+- Behind the Data<br>
+<br>- Data & Analysis Overview.
+- Credit and Banking Statistics.
+- Monthly Card Payment Statistics.
+- BIS Triennial Derivatives Survey.
+- Non-Bank Financial Sector Statistics.
+- Quarterly Financial Accounts.
+- Household Wealth.
+- Securities Statistics.
+- Competitiveness, Reserves and National Debt.
+- Euro Area Statistics.
+- Insurance Corporations Statistics.
+- Payment Statistics.
+- Pension Fund Statistics.
+- National Claims Information Database<br>
+<br>- Statistical Reporting Requirements Overview.
+- Schedule of Dates.
+- Credit Institutions.
+- Targeted Longer-Term Refinancing Operations (TLTROs).
+- Financial Vehicle Corporations.
+- Securities Reporting Custodians.
+- Fund Administrators.
+- Insurance Corporations.
+- Special Purpose Vehicles.
+- Classification of Entities by Institutional Sector.
+- Payment Service Providers.
+- AnaCredit in Ireland.
+- Pension Funds<br>
+<br>- Exchange Rates and Interest Rates Overview.
+- Exchange Rates.
+- ECB Rate Of Interest<br>
+<br>- Frontier Statistics Overview.
+- What are Frontier Statistics?
+- Total Domestic Credit.
+- Mortgage Rate Of Interest Distributions.
+- New Non-Bank Lending to Irish Enterprises.
+- Household Debt<br>
+<br>ACS<br>
+<br>Our operate in securing you.<br>
+<br>Consumer Hub Overview<br>
+<br>Avoiding Financial Scams.
+<br>Check if a company is regulated.
+<br>See a list of unauthorised firms.
+<br>Complain about a monetary services firm.
+<br>
+- Consumer Hub Overview.
+- Explainers - Explainers Overview.
+- Animated Explainer Series<br>
+<br>- Buying [insurance](https://www.redmarkrealty.com) Overview.
+- What details do I require to offer when buying insurance coverage?<br>
+<br>- Banknotes and Coins Overview.
+- Collector Coins.
+- Replace Old or  Money.
+- Euro Banknotes.
+- Euro Coins.
+- Eurosystem Cash Strategy.
+- Old Irish Banknotes.
+- Old [Irish Coins](https://property88.co.ug).
+- Suspect Counterfeits.
+- Banknotes & Coins FAQs<br>
+<br>- Mortgage Measures Overview.
+- Mortgage [Measures](https://homebrick.ca) - FAQ<br>
+<br>- Warnings and Alerts Overview.
+- Notice on Phishing Email<br>
+<br>- Tracker Mortgage Examination Overview.
+- AIB/EBS Tracker Cases Settled<br>
+<br>Home.
+Financial System.
+Financial Stability.
+Macroprudential Policy.
+1. Mortgage Measures<br>
+<br>In this Section<br>
+<br>Mortgage Measures - FAQ.
+Mortgage Measures Framework Review.
+New Mortgage Lending - Data and Commentary<br>
+<br>Mortgage Measures<br>
+<br>The mortgage steps are an essential component of the Central Bank's macroprudential policy framework.<br>
+<br>The mortgage measures goal to guarantee sustainable loaning standards in the mortgage market.<br>
+<br>In doing so, the steps look to avoid the development of an unsustainable relationship in between credit and home costs and eventually support the durability of customers, loan providers and the more comprehensive economy.<br>
+<br>The measures work by setting limits on the quantity of money that individuals can borrow to buy home using loan-to-income (LTI) and loan-to-value (LTV) limits. <br>
+<br>The LTI limitation restricts the amount of cash you can obtain to a maximum of 4 times gross earnings for first-time-buyers and 3.5 times gross income for second/subsequent purchasers.<br>
+<br>So, for example, a newbie buyer couple with a combined income of EUR100,000 can obtain as much as a maximum of EUR400,000.<br>
+<br>A 2nd and subsequent buyer with the same income can obtain approximately an optimum of EUR350,000.<br>
+<br>The LTV limit needs you to have a minimum deposit before you can get a mortgage. The size of this deposit depends on which classification of purchaser you are.<br>
+<br>- First-time-buyers and second/subsequent purchasers require to have a minimum [deposit](https://torontocondosforsale.ca) of 10%.
+- Buy-to-let purchasers need to have a minimum deposit of 30%.<br>
+<br>Banks and other loan providers can lend a specific quantity above the limitations.<br>
+<br>The proportion of financing allowed above the limitations applies at the level of the debtor type, such that:<br>
+<br>- 15 per cent of first-time-buyer lending can happen above the limits.
+- 15 per cent of second and subsequent purchaser financing can occur above the limitations.
+- 10 per cent of buy-to-let-buyer lending can happen above the limitations.<br>
+<br>The Reserve bank has set out the key principles of the framework for the macroprudential mortgage measures in its structure document.<br>
+<br>The Reserve bank regularly keeps track of the mortgage steps and housing markets more broadly and interacts its findings and judgements on these in its biannual Financial Stability Review.<br>
+<br>Evolution of the mortgage measures 2015 - 2021<br>
+<br>These procedures were first introduced in 2015 and were reviewed on an annual basis until 2021.<br>
+<br>The following provides previous reviews of the mortgage measures, associated research study and Statutory Instruments.<br>
+<br>2021 Review of Mortgage Measures (FSR 2021: II)<br>
+<br>2020 Review of Mortgage Measures (FSR 2020: II)<br>
+<br>2019 Review of Mortgage Market Measures (FSR 2019: II)<br>
+<br>2018 Review of Mortgage Market Measures<br>
+<br>2017 Review of Mortgage Market Measures<br>
+<br>2016 Review of Mortgage Market Measures<br>
+<br>The regulations have been based upon extensive financial analysis and empirical proof. This research has actually been released and can be found listed below.<br>
+<br>Economic Letter: Macroprudential Measures and Irish Mortgage Lending: An Evaluation of Recent Data<br>
+<br>Policy Paper: The Introduction of Macroprudential Measures for the Irish Mortgage Market<br>
+<br>Research Technical Paper: Credit conditions, macro-prudential policy and home costs<br>
+<br>Research Technical Paper: [Designing macroprudential](https://mrentals.ca) policy in mortgage loaning: Do first-time-buyers default less?<br>
+<br>Economic Letter: Do Very first time buyers default less? Implications for macro-prudential policy<br>
+<br>Economic Letter: Mortgage insurance in an Irish context<br>
+<br>Economic Letter: House price volatility: The function of different buyer types<br>
+<br>Economic Letter: Assessing the impact of macro-prudential procedures<br>
+<br>Economic Letter: Macro-prudential procedures and the housing market<br>
+<br>Economic Letter: Macro-prudential Tools and Credit Risk of Residential Or Commercial Property Lending at Irish banks<br>
+<br>Economic Letter: Assessing the sustainability of Irish house prices: 1980 Q1 - 2016 Q2<br>
+<br>Economic Letter: Housing supply after the crisis<br>
+<br>Economic Letter: Exploring developments in Ireland's regional rental markets<br>
+<br>Economic Letter: Modelling Irish Rents: Recent Developments in Historical Context<br>
+<br>Economic Letter: Macroprudential Measures and Irish Mortgage Lending: Insights from H1 2016<br>
+<br>Economic Letter: The Effects of Macroprudential Policy on Borrowers Leverage<br>
+<br>Economic Letter: Model-based estimates of the durability of mortgages at origination<br>
+<br>Economic Letter: Originating Loan to Value ratios and the resilience of mortgage portfolios<br>
+<br>Economic Letter: The income circulation and the Irish mortgage market<br>
+<br>Economic Letter: Macroprudential and Irish mortgage lending: An overview of lending in 2016<br>
+<br>Economic Letter: Macroprudential procedures and Irish mortgage lending: Insights from H1 2017<br>
+<br>Economic Letter: New mortgage lending activity in a comparative context<br>
+<br>Financial Stability Note: Macroprudential steps and Irish mortgage lending: An introduction of 2017<br>
+<br>Financial Stability Note: Macroprudential steps and Irish mortgage loaning: Insights from H1 2018<br>
+<br>Financial Stability Note: Lending above macroprudential mortgage limitations: The Irish experience because 2015<br>
+<br>Financial Stability Note: Have First-Time Buyers continued to default less?<br>
+<br>Financial Stability Note: Mortgage maintenance concerns and LTI caps<br>
+<br>Financial Stability Note: A procedure of bindingness in the Irish mortgage market<br>
+<br>Financial Stability Note: Mortgage debtors at the loan-to-income limitation<br>
+<br>Financial Stability Note: Mortgage repayment price throughout the income distribution<br>
+<br>Financial Stability Note: An overview of the [Irish housing](http://baysindigo.world) market<br>
+<br>2022 Regulations (Statutory Instrument No. 546 of 2022)<br>
+<br>The following Statutory Instruments will be withdrawed with result from 1 January 2023<br>
+<br>2015 Regulations (Statutory Instrument No. 47 of 2015)<br>
+<br>2016 Regulations (Statutory Instrument No. 568 of 2016)<br>
+<br>2017 Regulations (Statutory Instrument No. 559 of 2017)<br>
+<br>2019 Regulations (Statutory Instrument No. 369 of 2019)<br>
+<br>2021 Regulations (Statutory Instrument No. 666 of 2021)<br>
+<br>The policies were also notified by a public assessment issued in 2014. The Central Bank of [Ireland released](https://might-house.com) a feedback document offering a summary of actions to the submissions made during the assessment procedure and the review process carried out by the Reserve bank of Ireland.<br>
+<br>For further details see: CP87 Macro-prudential policy for property loaning.<br>
+<br>About the Mortgage Measures Framework Review<br>
+<br>Throughout 2021 and 2022, the Central Bank performed a review of the mortgage measures structure. The function of the evaluation was to guarantee that the mortgage determines continue to remain suitable for function, due to the advancement of the monetary system and the broader economy since the procedures were initially presented in 2015.<br>
+<br>The review thought about the total structure for, and strategy around, the mortgage steps. The conclusions of the review were informed by the Central Bank's analysis of a wide variety of evidence, lessons from global experience and the feedback gotten through engagement with the general public and other stakeholders. The evaluation concluded in October 2022 with the publication of the modified structure for macroprudential mortgage steps.<br>