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.
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 members and associates only.
Got an opinion? Let us know. We love to hear from 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|
|A revised Value for Money Standard and associated Code of Practice||HCA||The HCA, as regulator of social housing in England, has published its consultation on a revised Value for Money (VfM) Standard to be in place from April 2018.||27/09/17 - 20/12/17||Open|
|Individual accountability - extending the Senior Managers and Certification Regime to all FCA firms||FCA||The Financial Conduct Authority are consulting on the extension of the Senior Managers and Certification Regime to all Financial Services Marketing Act (FSMA) authorised firms.||26/07/17 - 03/11/17||Open|
|Quarterly Consultation Paper No 18||FCA||The FCA has published a consultation on proposals to bring ‘retirement interest-only mortgages’ into the standard rules.||01/09/17 - 01/11/17||Open|
|Tackling unfair practices in the leasehold market||DCLG||We note that lenders share the government’s concerns about inappropriate use of leasehold and escalating ground rents, but recognise that leasehold is an appropriate tenure in the right circumstances.||25/07/17 - 19/09/17||Closed|
|Enforcement of suspended orders - alignment of procedures in the County Court and High Court||CPRC||We support the view of the CPRC that a distinction should be made between cases where an order is suspended on monetary terms, and those where other conditions are imposed.||28/06/17 - 30/08/17||Closed|
|Handbook changes to reflect the application of the EU Benchmarks Regulation||FCA||As this is a minor change to tidy up the Handbook, UK Finance will not be responding to this consultation.||22/06/17 - 22/08/17||Closed|
|Replacing Bills of Sale: a new Goods Mortgages Bill consultation on draft clauses||Law Com||In our response, we recommend that, given the complexities which arise in terms of priority of goods mortgages and land mortgages, fixtures should be excluded from the definition of goods.||10/07/17 - 07/08/17||Closed|
|Regulatory reform of Registered Social Landlords||WG||We are working with regulators and officials in the UK’s devolved nations as they develop their respective proposals to recalibrate the extent of government/ regulatory control over their RSL sectors.||08/05/17 - 03/07/17||Closed|
|Energy efficiency and condition standards in private rented housing: A Scotland's Energy Efficiency Programme Consultation||SG||We welcome in principle proposals that could improve the condition and standards of mortgaged private rented homes.||07/04/17 - 30/06/17||Closed|
|Refining the PRA’s Pillar 2A capital framework||PRA||Overall, we welcome the overarching methodology behind the proposed changes. In our view, the three capital pillars are inter-connected and dynamic.||24/02/17 - 31/05/17||Closed|