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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

    17 Oct 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. Lenders' Handbook amendments' England and Wales, Scotland and Northern Ireland Lenders’ Handbooks

    28 Oct 14
  2. The Professional Consultant's Certificate - recent case law

    22 Oct 14
  3. Scottish Budget 2015/16

    9 Oct 14

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Latest policy responses

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CML response to HMT consultation - Implementation of the EU Mortgage Credit Directive

PDF | 31 Oct 14
The CML has responded to HM Treasury's consultation on the implementation of the EU Mortgage Credit Directive. This response highlights the challenges associated with the introduction of new regulatory rules and makes particular reference to the impacts on the buy-to-let mortgage market.

CML response to Welsh Government CP: Renting Homes - Illustrative model contract

PDF | 30 Oct 14
We responded to the Welsh Government consultation on an illustrative model contract under the proposed Renting Homes regime. We highlighted the need for fundamental terms including payment of rent and recovery of possession to be "hard wired" into the contract, and also called for clearer guidance in other areas. We highlighted the need to ensure a landlord's right to recover possession is not unreasonably restricted.

MAS - Financial Capability Strategy for the UK

PDF | 27 Oct 14
We have responded to the Money Advice Service's proposals on a financial capability strategy for the UK. The response recognises the importance of financial capability in ensuring sound decision making and urges the debt advice sector to reduce duplicity.

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