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Policy imageOur policy work provides a vital link between lenders, government and other key stakeholders. We work with the industry to identify and communicate policy across a wide spectrum - from valuation issues to arrears and possessions. To see what we are working on in 2014 please view CML policy priorities. Our policy pages will give you an insight into our key policy positions through to our written communications to ministers and other policy makers.

Latest policy issues Latest circulars
  1. Land Registration (Scotland) Act 2012

    7 Aug 14
  2. EU Directive on responsible lending and borrowing (now called the Directive on credit agreements relating to residential property)

    26 Jun 14
  3. FCA regulation publications: summary and CML actions

    7 May 14
  1. 'Lender Exchange' launch

    19 Aug 14
  2. Arrears and possessions data - Q2 2014

    14 Aug 14
  3. FCA/PRA consultation (CP14/13): new regulatory framework for strengthening accountability of individuals

    30 Jul 14

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Latest policy responses

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CML response on draft Code of Governance for Welsh housing associations

PDF | 27 Aug 14
The CML has responded to a consultation by Community Housing Cymru on a draft Code of Governance for Welsh housing associations. We broadly welcome the proposed code, which could help maintain funder confidence in this sector, if it is adhered to. We have proposed amendments to the code to make it clearer and to reflect funders interests.

CML response to FCA discussion paper: Recovering the costs of administering the regulatory gateway through application fees

PDF | 26 Aug 14
The CML has responded to the FCAs consultation on recovering the costs of administering the regulatory gateway (DP14/1). Our response recommends these costs should continue to be shared between existing market participants and those applying for new permissions and that the FCA should limit fee increases to the rate of inflation.

CML response to HCA consultation on changes to the Regulatory Framework

PDF | 21 Aug 14
We have responded to the HCA consultation on their proposed changes to the regulatory framework for social housing in England. Although we are generally supportive, some areas could benefit from a more confident, robust approach and greater clarity.

Guidance NOTES   Useful links

These notes have been produced for people working within the mortgage profession and provide advice on best practice. They cover shared ownership issues, equity release and lifetime mortgages and mortgage redemption statements.


Use this section to search for organisations that produce research or represent a profession or sector that has an impact on the housing and mortgage markets.

View guidance notes
View useful links