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 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
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
Tackling unfair practices in the leasehold market DCLG The Department for Communities and Local Government (DCLG) has published a consultation on tackling unfair practices in the leasehold market in England. 25/07/17 - 19/09/17 Open
Enforcement of suspended orders - alignment of procedures in the County Court and High Court CPRC This consultation focuses on whether amendments to rules and forms are required following the Court of Appeal judgement in Cardiff City Council v Lee (Flowers [2016] EWCA Civ 1034. 28/06/17 - 30/08/17 Open
Handbook changes to reflect the application of the EU Benchmarks Regulation FCA The Regulation contains an amendment to Article 13 of the Mortgage Credit Directive, which the FCA needs to implement. 22/06/17 - 22/08/17 Open
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
Energy Strategy – Scotland's Energy Efficiency Programme (SEEP): consultation. SG Our response focuses on possible implications of an energy efficiency loan, the extent to which energy efficiency measures might impact the mortgageability of the property, consumer protection advice and more. 27/01/17 - 30/05/17 Closed
Changes to frequency of Help to Buy - Wales statistical outputs WG We support the proposal as it should provide more meaningful information for lenders and also align reporting with other Welsh Government statistical outputs on housing. 01/03/17 - 24/05/17 Closed