In 2012, the UK authorities asked banks to apply a temporary minimum 15% risk weight to their mortgage portfolios, though that guidance expired in July. The Swedish regulator has recommended that mortgage lenders raise their risk-weight floor from 15% to 25%.
最近，一些监管者开始质疑银行自说自话的风险权重。2012年，英国当局要求银行按揭组合采取15%的临时性风险权重下限，但该指引7月份就失效了。瑞典监管者建议按揭贷款人将风险权重下限从15%提高到25%。