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. LIFT (formerly HomeStake) - a shared equity scheme operating in Scotland

    9 Apr 14
  2. Flooding

    8 Jan 14
  3. Lifetime mortgages - FSA capital requirement under the standardised approach

    19 Dec 13
  1. HS2 Phase One property compensation announcement

    9 Apr 14
  2. FCA releases technical documents for the new Product Sales Data requirements

    4 Apr 14
  3. The FCA Risk Outlook 2014 and the FCA Business Plan 2014-15

    31 Mar 14

View more policy issues

View more circulars

Latest policy responses

View more policy responses

CML response to Scottish Government CP: Amendments to the Housing (Scotland) Bill requiring tenants' ballots

PDF | 8 Apr 14
We have responded to a consultation by the Scottish Government on a proposal to make an amendment at Stage 2 of the passage of the Housing (Scotland) Bill through the Scottish Parliament which would require a ballot of tenants to take place when a Registered Social Landlord proposed to enter into a group structure arrangement. Our response has indicated our concerns with this proposal.

CML response to FCA CP14-4: Chapter 5 - Mortgage affordability - Financial Policy Committee recommendation on interest rate stress tests

PDF | 2 Apr 14
The CML has responded to Chapter 5 of CP14-4, FCA Quarterly Consultation Paper No4, regarding the proposed changes to new MCOB rules to take into account FPC powers to make recommendations regarding interest-rate stress tests.

CML response to HCA discussion paper on fees

PDF | 24 Mar 14
The CML has responded to the HCA's discussion paper on proposals to charge fees for social housing regulation in England. We think the proposals are a broadly sensible way forward and could mean the regulator is less dependent financially on government or the taxpayer. Fee charging could also enable the regulator to resource itself appropriately for an increasingly complex sector.

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