On 1 April 2022, the European Systemic Risk Board (ESRB) provided a response to the European Commission consultation on the review of the mortgage credit directive (MCD). The ESRB propose to include borrower-based measures in EU legislation which will help to ensure sound lending standards and higher resilience of borrowers. Although the deadline for responding to the Commission’s consultation has expired, the ESRB is sharing its proposal to include borrower-based measures in EU legislation, as the ESRB’s proposal also covers the MCD. The proposal to include borrower-based measures in EU legislation is an important element of the ESRB’s response to the Commission’s call for advice on the 2022 review of the EU macro-prudential framework.