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.
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|Consultation title||Consulting body||Summary||Consulting period||Status|
|Call for inputs on competition in the mortgage sector||FCA||We note that this is a market where creditworthy borrowers can, on the whole, transact freely. But there is always room even for competitive markets to be even more competitive.||07/10/15 - 18/12/15||Closed|
|Switching in regulated markets||BIS||The Department for Business, Innovation and Skills has called for evidence on switching suppliers and how the process could be improved.||22/10/15 - 04/12/15||Closed|
|The EBA benchmark rate under Annex II of the Mortgage Credit Directive||EBA||The European Banking Authority (EBA) this week published a consultation on calculating a benchmark rate for the Mortgage Credit Directive.||14/10/15 - 20/11/15||Closed|
|Private Housing (Tenancies) (Scotland) Bill||SP||We have responded to the Finance Committee of the Scottish Parliament on their call for evidence on the financial memorandum accompanying the Private Housing (Tenancies) (Scotland) Bill.||09/10/15 - 19/11/15||Closed|
|Consumer Code for Home Builders review||CCHBMB||The Consumer Code for Homebuilders is an industry led code of conduct for builders, which was developed to make the home buying process fairer and more transparent for purchasers.||07/09/15 - 31/10/15||Closed|
|Regulation in the 21st Century: Entity regulation||lawscot||We have responded to the Law Society of Scotland second consultation paper on the topic of entity regulation. We believe that an extension of regulation to both entities and individuals...||27/07/15 - 09/10/15||Closed|
|Regulation in the 21st Century: Guarantee fund/client protection fund||lawscot||We have responded to the Law Society of Scotland consultation on the Guarantee Fund. We have highlighted that we believe there will be unintended consequences stemming from the proposal to...||27/07/15 - 09/10/15||Closed|
|Consultation on RTS on conditions for capital requirements for mortgage exposures||EBA||We have responded to the Draft Regulatory Technical Standards on the conditions that competent authorities shall take into account when determining higher risk-weights, in particular the term of “financial stability...||06/07/15 - 06/10/15||Closed|
|CP15/28 Quarterly Consultation No. 10||FCA||We responded to the FCA’s CP15/28, Quarterly consultation no. 10. The consultation included a number of Mortgage Credit Directive-related proposals and we were generally comfortable with each of them. We sought...||05/09/15 - 05/10/15||Closed|
|Appealing regulatory decisions: a discussion paper||SHR||We have responded to the Scottish Housing Regulator's discussion paper on the introduction of an appeals process against its regulatory decisions.||02/09/15 - 02/10/15||Closed|