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 This page is no longer being updated.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
Call for evidence: The Land and Buildings Transaction Tax (LBTT) SPFC We have responded to the Scottish Parliament, Finance Committee call for evidence on Land and Buildings Transaction Tax (LBTT). 02/09/15 - 02/10/15 Closed
Reform of the legacy Credit Unions sourcebook PRA This a joint consultation by the PRA and FCA (PRA CP22/15 and FCA CP 15/21) on reform of the legacy Credit Union sourcebook. Of particular interest to the CML are the... 01/06/15 - 30/09/15 Closed
International property measurement standards: residential buildings IPSMC Following discussions with our Valuation panel we have decided not to respond to this consultation. However, if you would like to see further details on the consultation they can be... 09/09/15 - 30/09/15 Closed
DP 15/5 Smarter consumer communications FCA We have responded to the FCA’s discussion paper on smarter consumer communications. We believe the act of a discussion paper will likely be helpful to firms in understanding how communications... 01/09/15 - 25/09/15 Closed
Protecting clients' financial interests SRA The Solicitor’s Regulation Authority (SRA) issued a discussion paper on their current client financial protection arrangements. This follows on from changes to the existing arrangements in September last year, and... 28/07/15 - 16/09/15 Closed
Residential panel managers: RICS Code of Practice RICS We have responded to RICS informally, to advise that our members had no substantive comments to make on the draft guidance note. 06/08/15 - 20/08/15 Closed
Lender v Valuer ADR Service RICS We have now prepared our response to RICS proposals for the introduction of a lender and valuer alternative dispute resolution process. 22/06/15 - 17/08/15 Closed
CP 15/19 Quarterly consultation no.9 June 2015 FCA We responded to the FCA’s quarterly consultation in June 2015 on specific changes to MCOB as part of MCD implementation. Our response welcomed the change to allow firms to use their... 05/06/15 - 05/07/15 Closed
Proposals for a new regulatory framework for social housing providers DSDNI We have responded to the DSDNI consultation. We are broadly supportive of the proposals to move to a risk-based proportionate approach with delivery outcomes linked to housing association governance and... 12/03/15 - 10/06/15 Closed
Improving the compulsory purchase process HMT The CML has responded to the joint technical consultation by H M Treasury and the Department for Communities and Local Government on proposals for improving the compulsory purchase process. 18/03/15 - 09/06/15 Closed