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<h1>Return of securities: banks must release mortgage documents on repayment and face complaint remedies for delay.</h1> Banks must release all securities and title documents on loan repayment and return mortgage documents within fifteen days, with compensation payable for delays. Non compliance with these regulatory guidelines and the banking consumer code is a ground for complaint under the Banking Ombudsman Scheme, and supervisory inspections review delays and issuance of no due certificates while industry bodies are notified for follow up.