All the credit institutions that make up Grupo Cooperativo Cajamar adhere to the latest version of the Code of Good Practices for the viable restructuring of mortgage-backed debts on primary places of residence, as set out in the annex to Royal Decree-Law 6/2012, of 9 March, setting out urgent measures to protect mortgage debtors without resources (adapted to the amendments introduced by Law 1/2013, of 14 May, by Royal Decree-Law 1/2015, of 27 February, by Law 25/2015, of 28 July, by Royal Decree-Law 5/2017, of 17 March, by Law 5/2019, of 15 March and by Royal Decree-Law 19/2022, of 22 November, which establishes a Code of Good Practices to alleviate the rise in interest rates on mortgage loans on primary places of residence, modifying Royal Decree-Law 6/2012 of 9 March, setting out urgent measures to protect mortgage debtors without resources, and adopting other structural measures for the improvement of the mortgage loan market).