From 1st July the Council of Mortgage Lenders is integrated into a new trade association, UK Finance. For the time being, all UKF mortgage information will continue to be published on this website, and UKF member-only mortgage information will only be available here.

UK Finance represents around 300 firms in the UK providing credit, banking, markets and payment-related services. The new organisation takes on most of the activities previously carried out by the Asset Based Finance Association, the British Bankers’ Association, the Council of Mortgage Lenders, Financial Fraud Action UK, Payments UK and the UK Cards Association. Please go to www.ukfinance.org.uk for wider content and updates from UK Finance.

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