Here you will find responses that we have submitted to consultations by government departments and other organisations that are relevant to mortgage lenders and their customers.

CML members and associates can also keep up to date with our work in progress on formulating responses to consultations that haven't yet reached their closing date. Please note some content is restricted for CML members and associates only.

Got an opinion? Let us know. We love to hear from CML members on "active" responses, so we can reflect views from the whole lending industry.


Search consultation responses

Consultation title Consulting body Summary Consulting period Status
Refining the PRA’s Pillar 2A capital framework PRA This consultation paper sets out proposed adjustments to the PRA’s Pillar 2A capital framework, with the aim of making the capital assessment more robust and proportionate. 24/02/17 - 31/05/17 Open
Energy Strategy – Scotland's Energy Efficiency Programme (SEEP): consultation. SG The Scottish Government has launched a consultation on options for its Energy Efficiency Programme and its policy design. We will respond on issues likely to impact on lender interests. 27/01/17 - 30/05/17 Open
FCA Quarterly Consultation No.16 FCA The FCA are proposing to make changes to (among other sections of the handbook) the Supervision Manual (SUP) and Enforcement Guide (EG) arising from the extended Immigration Act 2014. 06/03/17 - 03/05/17 Open
Housing White Paper consultation – changes to planning policy and legislation DCLG The DCLG have issued a consultation 'Fixing our broken housing market' focusing on changes to planning policy and legislation in relation to housing, sustainable development and the environment. 07/02/17 - 02/05/17 Open
Consultation on heat & energy efficiency strategies, and regulation of district heating SG The Scottish Government is seeking views on the role that regulation could play in local heat & energy efficiency strategies and the development of district heating in Scotland. 28/01/17 - 18/04/17 Open
Guidance on the treatment of politically exposed persons (PEPs) under the Money Laundering Regulations 2017 FCA The Financial Conduct Authority have published draft guidance on politically exposed persons, to firms who are supervised by them under money laundering regulations. 15/03/17 - 18/04/17 Open
Money laundering regulations 2017 consultation HMT HM Treasury are consulting on the draft Money Laundering Regulations 2017, which will bring the requirements of the Fourth Money Laundering Directive into UK law. 15/03/17 - 12/04/17 Open
Proposals to amend the Land Registration Rules 2003 LR The Land Registry is consulting on some changes to the Land Registration Rules 2003, to allow them to offer customers digital alternatives to paper conveyancing and registration. 09/02/17 - 05/04/17 Open
Private Rented Sector in Northern Ireland – Proposals for change DfC We are concerned by paragraph 7.32, which states that “Northern Ireland has fallen behind other jurisdictions in relation to regulation…” as this implies that there is a regulatory ‘arms race’. 10/01/17 - 03/04/17 Open
Reviewing the funding of the Financial Services Compensation Scheme (FSCS) - consultation FCA The FCA is inviting responses on a number of options for changing both the funding of the Financial Services Compensation Scheme (FSCS) and the coverage it provides to consumers. 14/12/16 - 31/03/17 Open