2012 will to be a pivotal year for financial services regulation as key EU proposals are set to reach conclusion by the end of the year. The EMF Conference will provide a unique professional platform to analyse not only the main issues raised by the forthcoming regulations but will also serve to address other burning Industry issues on the EU agenda.The four panel sessions will be:Session 1: Recovery: Role of Housing Finance in the EconomySession 2: Tackling Consumer Over-IndebtednessSession 3: The Prudential Regulatory Framework - Leverage Ratio & Liquidity IssuesSession 4: Funding: A Label for Quality. Confirmed speakers/moderators include:Peter ENGBERG JENSEN, President, European Mortgage FederationAdrian COLES, Director General, The Building Societies AssociationJean-Michel SIX, Chief European Economist, Standard & Poor'sAlain GOURIO, Head of Group Legal Coordination, BNP ParibasMario NAVA, Acting Director for Financial Institutions, European Commission DG MARKTThierry PHILIPPONNAT, Secretary General, Finance WatchAntonio José BÉJAR GONZÁLEZ, Chief Risk Officer for Spain & Portugal, BBVADiego RODRÍGUEZ PALENZUELA, Head of Capital Markets and Financial Structure Division, DG Economics, European Central BankKeith HALE, Technical Specialist, Financial Services AuthorityMick McATEER, Director, The Financial Inclusion CentreMark JOHNSON, Editor, euromoney conferencesIsabelle VAILLANT, Director Regulation, European Banking AuthorityMartin BRESSON, Counsellor or Ministers, Financial Attaché of the Danish Representation to the European UnionJens VALDEMAR KRENCHEL, Head of Brussels Office, Realkreditraadet - Association of Danish Mortgage BanksDaniel LOUGHNEY, Portfolio Manager, Alliance BernsteinMichel STUBBE, Head of the Financial Operations Services Division, European Central Bank The EMF Annual Conference is kindly sponsored by:euromoney conferencesand has the support from the following media partners:EurActivEFMAMortgage Finance GazetteThe Covered Bond Report