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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. Help to Buy ISA

    19 Mar 15
  2. Land Registration (Scotland) Act 2012

    17 Oct 14
  3. EU Directive on responsible lending and borrowing (now called the Directive on credit agreements relating to residential property)

    26 Jun 14
  1. FCA Business Plan 2015/16

    24 Mar 15
  2. Budget 2015

    18 Mar 15
  3. Starter Homes scheme

    2 Mar 15

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Latest policy responses

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CML response to Basel Committee on Banking Supervision's CP: Revisions to the standardised approach for credit risk

PDF | 27 Mar 15
We have responded to the Basel Committee on Banking Supervision’s consultation on Revisions to the Standardised Approach for credit risk. Our response makes the point that we believe that overall the proposals would have an undue negative impact on a number of mortgage sectors including residential lending, Buy-to Let and Social Housing.

CML response to FCA CP15/3: Buy-to-let mortgages: implementing the Mortgage Credit Directive Order 2015

PDF | 23 Mar 15
The CML has responded to the FCA’s consultation on buy-to-let mortgages in relation to the MCD Order. We are broadly supportive of the manner in which the FCA proposes to operationalise the consumer buy-to-let market, and that this is the focus of the paper, but in some areas we believe the FCA needs to provide additional clarity to mortgage lenders.

CML response to ESAs Joint Committee CP on guidelines for cross-selling practices

PDF | 20 Mar 15
We have responded to the European Supervisory Authorities’ (ESAs)consultation on cross-selling practices. Our response makes a general point that we believe the MCD’s provisions on tying and bundling are sufficient and that the ESAs do not need to do further work in this area. We also make a number of observations regarding the proposed guidelines.

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