Policy

Policy image Our 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 2011 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
Green Deal 21 May 13 FSA/FCA regulation publications: summary and CML actions 15 May 13 EU Directive on responsible lending and borrowing (now called the Directive on credit agreements relating to residential property) 13 May 13		FCA Consultation Paper on MMR data reporting changes 15 May 13 Arrears and possessions and buy-to-let data - Q1 2013 9 May 13 Queen's speech 2013 8 May 13
View more policy issues		View more circulars

Latest policy responses
View more policy responses
CML response to Department for Transport CP: HS2 - Exceptional Hardship Scheme for Phase Two PDF \| 20 May 13 The CML has responded to the Department for Transport’s consultation on an Exceptional Hardship scheme for Phase two of HS2. We are broadly supportive of the proposals, however highlight that repossession situations do raise specific considerations.
CML response to HCA discussion paper: Protecting social housing assets in a more diverse sector PDF \| 16 May 13 The CML has responded to the HCA discussion paper Protecting social housing assets in a more diverse sector, and looks forward to further engagement with the Agency and the housing association sector on this important issue.
CML response to PRA CP4-13: Credit risk and internal ratings based approaches PDF \| 29 Apr 13 The CML has responded to proposals from the PRA which could see capital cover requirements for lending to housing associations increase substantially.

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