Canada

All one really needs to know is that there's nothing legislated here, these are merely "guidelines" for the banking industry, i.e. essentially nothing.

This is the best summary I could come up with:

In the Fall Economic Statement (FES), the Liberal government unveiled an initiative it calls the Canadian Mortgage Charter.

The Finance official told CBC News that most of the measures existed already, but may have been unclear or difficult for consumers to find.

The other new addition is the requirement to give insured borrowers a pass on the stress test when changing lenders at the time of their mortgage renewal.

The Canadian Bankers Association (CBA) uses data from the major banks to determine the number of mortgages that are in arrears each month going back to January 1995.

The Finance official told CBC News that borrowers who are not offered the affordability measures outlined in the mortgage charter can file a complaint on the FCAC website.

The FCAC website says it investigates complaints involving federally regulated financial institutions, including banks, federal credit unions, authorized foreign banks, insurance companies and trust and loan companies.

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