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
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