You are here: Home > Policy


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

View more policy issues

View more circulars

Latest policy responses

View more policy responses

CML Response to the Scottish Housing Regulator on their Regulatory Guidance Consultation

PDF | 22 Apr 15
We have responded to the consultation by the Scottish Housing Regulator for the registered social landlord sector in Scotland. In the main the guidance is being tidied up and does not have any major implications for lenders but we have commented on the sections relating to where the regulator is directing a transfer of assets and on treasury management.

CML response to BIS consultation document: Capital floors - the design of a framework based on standardised approaches

PDF | 30 Mar 15
We have responded to the Basel Committee on Banking Supervisionís consultation on Capital Floors: the design of a Framework based on Standardised Approaches. Our response makes the point that we believe that overall the design of any capital floors should await until a comprehensive review of the operation of the existing prudential regulation in undertaken, given the improvements in the regulatory framework implemented over the past years and until the revision of the standardised approach is complete since the outcome of this revision will significantly influence the calibration and affect of any capital floors.

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 Supervisionís 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.

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