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 for wider content and updates from UK Finance.

Here you will find responses that we submitted before January 2018. This page is no longer being updated. For the latest mortgage consultation responses please go to the UK Finance website.

Search consultation responses

Consultation title Consulting body Summary Consulting period Status
Building a market for energy efficiency BEIS UK Finance response to the BEIS call for evidence. Lenders support in principle initiatives that can help borrowers reduce household energy costs. 12/01/18 - 12/01/18 Closed
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 Closed
Improving the home buying and selling process DCLG UK Finance response to the DCLG call for evidence. 05/12/17 - 15/12/17 Closed
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 Closed
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 Closed
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