I seriously doubt that the mortgage and lending industries in most of the modern world are a heck of a lot different than US lending given the fact that the Federal Reserve , European Banking system and World banking systems are all primarily controlled by the same Mega Billionaire owned corporations..
If you do your research , you'll find that 90% of all of the worlds media and news outlets are owned by 6 major international corporations who are controlled by world top elite from all corners of the globe must as is what's going on with the United Nations and Nato. It's all globalist controlled. I can't imagine how our lending laws would be a heck of a lot different than European, australian and most other because they're all controlled by the same people.