Regulatory efforts concerning retail lending in the recent period continued to focus on home protection and on helping troubled foreign currency debtors. As a significant change, Parliament extended the deadline of opting in to the exchange rate barrier scheme until 31 May 2013. Several new provisions were added to the act specifying the related eligibility criteria and the National Asset Management Company (NAMC) in May 2013 to make the option offered by the NAMC accessible to more debtors than before.