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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. Land Registration (Scotland) Act 2012

    7 Aug 14
  2. EU Directive on responsible lending and borrowing (now called the Directive on credit agreements relating to residential property)

    26 Jun 14
  3. FCA regulation publications: summary and CML actions

    7 May 14
  1. 'Lender Exchange' launch

    19 Aug 14
  2. Arrears and possessions data - Q2 2014

    14 Aug 14
  3. FCA/PRA consultation (CP14/13): new regulatory framework for strengthening accountability of individuals

    30 Jul 14

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Latest policy responses

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CML response to DECC consultation: Private Rented Sector Energy Efficiency Regulations (Domestic) (England and Wales)

PDF | 1 Sep 14
The CML has responded to a consultation by the Department of Energy & Climate Change on improving the energy performance of properties in the private rented sector. Our response sets out the considerations for mortgage lenders and although we are generally supportive we do believe that some changes to the proposed polices are required.

CML response to PRA consultation: Implementing the Financial Policy Committee's recommendation on loan-to-income ratios in mortgage lending

PDF | 29 Aug 14
The CML has responded to the PRA consultation on Loan-to-Income ratios. We have identified a number of issues with the proposed measure. In particular we have concerns about how the policy will impact mortgage lending to high-net worth individuals. We have therefore proposed a change to the policy to allow such lending to be exempted from the measure.

CML response on draft Code of Governance for Welsh housing associations

PDF | 27 Aug 14
The CML has responded to a consultation by Community Housing Cymru on a draft Code of Governance for Welsh housing associations. We broadly welcome the proposed code, which could help maintain funder confidence in this sector, if it is adhered to. We have proposed amendments to the code to make it clearer and to reflect funders’ interests.

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