On 11 March 2019, Council Decision 2019/380 of the EEA Joint Committee concerning the incorporation of the Mortgage Credit Directive (MCD) into Annex IX (Financial Services) and Annex XIX (Consumer protection) to the EEA Agreement was published in the Official Journal of the EU.

The decision provides that Annex IX (Financial Services) to the EEA Agreement should be amended to incorporate the MCD. The decision entered into force on 4 March 2019.