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

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

    7 May 14
  3. Low-cost home ownership: Factsheets on shared ownership & shared equity schemes

    6 May 14
  1. FCA/PRA consultation (CP14/13): new regulatory framework for strengthening accountability of individuals

    30 Jul 14
  2. FCA discussion paper on Fairness of changes to mortgage contracts (DP14/2)

    7 Jul 14
  3. PRA consultation on loan to income ratios

    3 Jul 14

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Latest policy responses

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CML response to HM Treasury call for evidence: Enforcement decision-making at the financial services regulators

PDF | 22 Jul 14
The CML has responded to the Treasury consultation on enforcement decision making at the financial services regulators. We consider the financial regulators’ approach to enforcement is broadly effective. Some aspects could be improved to make it more so. Our response generally asks for more transparency and more openness among regulators to seek firms’ views during investigations.

CML response to SRA consulation: Changes to reporting accounting requirements

PDF | 18 Jun 14
The CML has responded to the SRA’s consultation on changes to reporting accounting requirements. We are concerned at the proposals to remove the requirement for independent accountant assessments of SRA-regulated firms’ client accounts.

CML response to SRA consultation: Changes to solicitor's professional indemnity cover

PDF | 18 Jun 14
The CML has responded to the SRA’s consultation on changes to solicitor’s professional indemnity cover. We are concerned that the proposals to remove financial institutions from protection under compulsory PI cover, reduce the minimum cover amount, introduce an aggregate limit on claims, and reduce run-off cover requirements will have unintended consequences on the conveyancing market

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