TranspArEEnS 
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Ca’ Foscari University of Venice is a public University with a national and international outstanding reputation for academic excellence in both teaching and research. The Department of Economics develops knowledge and understanding of economic phenomena dealing with the complexity of global market scenarios and exploring related social, juridical, ethical and environmental implications.

A new research Center in Economic and Risk Analytics for Public Policies (VERA Center) has been created and it focuses on big data applied to social welfare and wellbeing, risk analytics and evaluation of public policies. The Department is involved in several European projects in the field of sustainable finance, Energy Efficiency and ESG criteria: EIBURS-ESG-Credit.eu, EeMMIP- Energy efficient Mortgage Market Implementation Plan; EeDaPP - Energy efficiency Data Protocol and Portal; EeMAP - Energy efficiency Mortgages Action Plan.

CRIF is a global company specialising in credit bureau and business information, outsourcing and processing services, and advanced solutions for credit and open banking. Established in 1988 in Bologna (Italy), CRIF operates over four continents and currently is the leader in continental Europe in the field of banking credit information and one of the main operators on a global level in the field of integrated services for business & commercial information and credit & marketing management.

Moreover, CRIF is included in the prestigious IDC FinTech Rankings Top 100, a ranking of the leading global technology solution providers to the financial services industry, and in 2019 completed its coverage as an AISP in 31 European countries where the revised Payment Services Directive is applicable. Today over 10,500 banks and financial institutions, 1,000 insurance companies, 82,000 business clients and 1,000,000 consumers use CRIF services in 50 countries on a daily basis.

The Covered Bond & Mortgage Council (hereafter called the Council) is an international non-profit association under Belgian Law. The objective of the Council is to represent the interests of stakeholders in the mortgage credit and covered bond industry along its whole value chain, namely covering mortgage credit origination and servicing (represented by the European Mortgage Federation – EMF) and funding (represented by the European Covered Bond Council – ECBC) at both European and international levels.

Established in 1967, the European Mortgage Federation is the voice of the European mortgage industry, providing data and information on European mortgage markets, which were worth €8.15 trillion at the end of 2020. In 2004 the EMF founded the European Covered Bond Council, a platform that brings together covered bond market participants including issuers, analysts, investment bankers, rating agencies and a wide range of interested stakeholders. ECBC members represent over 95% of covered bonds outstanding, which were worth almost €2.9 trillion at the end of 2020. To achieve its goal(s), the Council undertakes to:

• Study measures that could be adopted at European and international levels in order to create a positive environment for mortgage credit lending and funding, and to disseminate this information for the benefit of its members and other stakeholders.

• Advise EU Institutions and other relevant authorities on all questions of interest to mortgage credit lenders, in the areas of both mortgage credit origination and funding.

• Act as a global platform for knowledge sharing and exchange of best practice and as a catalyst for market-led initiatives which add value to the market, the economy and society in general through innovation, quality and transparency, for example the Covered Bond Label, the Energy Efficient Mortgages Initiative and the Energy Efficient Mortgage Label.

MODEFINANCE is a native Fintech company specialized in companies’ and banks’ creditworthiness assessment, developing Artificial Intelligence solutions for credit risk analysis and management. Thanks to the MORE proprietary methodology, modefinance is able to evaluate any company, regardless of sector, size or country: as a Fintech Credit Rating Agency (CRA) registered at a European level, the ratings issued have legal value and can be used for regulatory purposes.

With a tailor-made, cloud-based and API approach, modefinance solutions allow users to easily access a wide range of financial risk analysis tools, to automate current procedures. modefinance supports financial services, banks and businesses in the daily management of exposure risk by providing high quality, transparent and reliable evaluations worldwide.

The Leibniz Institute SAFE is a research institute dedicated to research and research-based policy advice in all areas of finance, with a special focus on Europe. Its research program includes six research areas: Financial Intermediation, Financial Markets, Household Finance, Money & Finance, Macro & Finance, and Law & Finance. With its international and interdisciplinary group of researchers, SAFE combines the methodological and professional competences for a broad range of topics related to financial markets and financial institutions.

This also includes topics of sustainable finance, climate change and energy efficiency mortgages. A unique feature of SAFE is its Data Center, which provides data access to all the major financial and economic data providers (FactSet, Datastream, Bloomberg and CRSP/Compustat) and creates new European datasets. The SAFE Policy Center distributes and disseminates research findings to the policymakers and regulators. The main goal is to provide theory- and evidence-based policy advice on fundamental political challenges.