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|
|CP16/2: Mortgage Credit Directive: Minor changes to our rules and guidance||FCA||The FCA is proposing changes to rules and guidance in the Mortgages: Conduct of Business Rules (MCOB) sourcebook on initial disclosure requirements and Key Facts Illustration (KFI) requirements.||15/01/16 - 15/02/16||Closed|
|BIS consultation on the Capital treatment for “simple, transparent and comparable” securitisations.||BCBS||The BIS has published a consultation on the Capital treatment for “simple, transparent and comparable” securitisations and the CML has responded to this consultation.||01/11/15 - 05/02/16||Closed|
|Higher rates of Stamp Duty Land Tax (SDLT) on purchases of additional residential properties||HMT||HM Treasury announced in the Autumn Statement 2015 a Five Point Plan for housing which included the introduction of higher rates of Stamp Duty Land Tax (SDLT).||28/12/15 - 01/02/16||Closed|
|Proposed LBTT supplement on additional residential homes - call for evidence||SP||The Scottish Government proposes, in their draft budget 2016/2017, to levy a Land and Buildings Transaction Tax (LBTT) supplement on purchases of additional residential properties.||16/12/15 - 29/01/16||Closed|
|Reviewing and appealing a regulatory decision: a consultation paper||SHR||The Scottish Housing Regulator has issued a consultation paper on reviewing and appealing regulatory decisions which it makes in relation to the social housing sector in Scotland.||13/11/15 - 15/01/16||Closed|
|Keeper-induced registration||ROS||Keeper-induced registration (KIR) is a new power, introduced through the Land Registration etc. (Scotland) 2012 Act.||05/10/15 - 08/01/16||Closed|
|Public Financial Guidance||HMT||The CML has responded to HMT's Public Financial Guidance consultation. Our response focuses on housing and debt.||12/10/15 - 22/12/15||Closed|
|Financial Advice Market Review - call for input||HMT||The CML has responded to the joint consultation by HMT and the Financial Conduct Authority on the Financial Advice Market Review - call for input.||12/10/15 - 22/12/15||Closed|
|CP15/36: Future regulatory treatment of CCA regulated first charge mortgages||FCA||The FCA consulted on proposed rule changes for firms performing activities in relation to ‘pre-2004 first charge CCA mortgages’.||06/11/15 - 18/12/15||Closed|
|CP15/32: Smarter Consumer Communications||FCA||The FCA proposes changes to the rules on disclosure of clients, for CML members this will mean the IDD template is no longer mandatory.||22/10/15 - 18/12/15||Closed|