In all Member States these laws are focused on mortgages and public sector loans, but some Member States also provide for the inclusion of other, possibly riskier assets.
V vseh državah članicah se ti predpisi osredotočajo na hipoteke in posojila javnemu sektorju, v nekaterih državah članicah pa predvidevajo tudi vključitev drugih sredstev, ki so lahko bolj tvegana.