At least here in the UK, recent revisions to the default planning rules around heat pumps (“Permitted Development” legislation) removed the restriction that an install be “used solely for heating purposes” and revised this to “not be used solely for the purpose of cooling”.

The Boiler Upgrade Scheme grant also permits cooling - it’s based on the heating credentials of a unit only.

So in Britain at least, installing cooling systems in private residences seems to be getting easier.