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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. Starter Homes scheme

    3 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 publishes consultation on MCD lending not secured on home

    24 Feb 15
  2. HM Treasury publishes MCD legislation

    26 Jan 15
  3. Land and Buildings Transaction Tax in Scotland

    21 Jan 15

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Latest policy responses

View more policy responses

CML response to the EBA consultation on Draft Guidelines on arrears and foreclosure

PDF | 13 Feb 15
The CML has responded to the European Banking Authority's Consultation on proposed guidelines, to be considered across the EU, for dealing with mortgage arrears and foreclosure. Broadly, the UK's existing regulations align to the proposed guidelines, however there are a number of areas where this is not the case and these areas form the basis of our response.

CML response to EBA consultation on the draft guidelines for the MCD's creditworthiness assessment

PDF | 13 Feb 15
The CML has responded to the European Banking Authority's consultation on the draft guidelines for the Mortgage Credit Directive's creditworthiness assessment. We were broadly happy with the guidelines but we sought amendments in specific areas to ensure national regulators, the FCA in the UK, can implement the guidelines in the way most appropriate to their national markets.

CML response to EBA consultation on draft guidelines for product oversight and governance

PDF | 13 Feb 15
The CML has responded to the European Banking Authority's consultation on draft guidelines for product oversight and governance. We have sought the EBA's clarification on the rationale for these guidelines and we have highlighted that firms' business practices and national regulators' rules are already effective in ensuring these outcomes.

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