The Central Bank of Ireland has published a Research Technical Paper on the topic of "Dis-entangling the Mortgage Arrears Crisis:  The role of the Labour Market, Income Volatility and Housing Equity".  The backdrop to this discussion paper is that notwithstanding various efforts to address the mortgage arrears crisis, arrears remain at elevated levels.  Designing policies to deal with such high levels of distress requires an understanding of the precise sources of the problem.  However, to date efforts have been hampered by a lack of appropriate data.  This technical paper relies on two new and unique data sets to overcome such issues.  Specifically, using a combination of administrative loan-level data and a detailed survey of mortgage holders, the paper assesses the role of the labour market, income volatility and housing equity in the mortgage arrears crisis.