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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. Mortgage Rescue in Scotland

    12 May 15
  2. Help to Buy ISA

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

    17 Oct 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 Scottish Government CP: a new tenancy for private rented sector

PDF | 8 May 15
We have responded to the second consultation by the Scottish Government on a new tenancy for private sector in Scotland. We have expressed concern about the ending of the no fault ground for possession, the impact of the proposal to restrict rent reviews to an annual basis and on what would be contained in a proposed letter to be issued by a lender to a tenant when a lender is seeking possession following a default by their landlord on their mortgage.

CML response to Welsh Government consultation on Land Transaction Tax

PDF | 6 May 15
We responded to the Welsh Government consultation on a Land Transaction Tax, to replace Stamp Duty Land Tax in Wales from April 2018. To the extent that we welcome the proposed introduction of LTT as a marginal rate system and a practical solution currently, we would like to see consistency as far as possible with the approach in the reformed SDLT. We also commented that there is now a natural opportunity for Wales to consider future alternative sources of revenue from housing rather than replicating SDLT, which could expose Wales to the potential of changes made in Westminster.

CML Response to the EBA's discussion paper on the Future of the IRB Approach

PDF | 5 May 15
The CML has responded to the EBA's discussion paper on the Future of the IRB Approach. We are supportive of improvements to the IRB approach which increase the regulators and markets confidence in the capital results generated by the application of such models. We are however, cautious over the time and resources needed to changes and approve changes in the IRB models used by lenders. In addition, we have reservations over the proposed approaches for Low Default Portfolios.

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.

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