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 www.ukfinance.org.uk 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 This page is no longer being updated.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
Increasing the borrowing capacity of stock transfer housing associations DCLG The CML have responded to the DCLG consultation on Increasing the borrowing capacity of strock transfer housing associations. 01/03/15 - 31/05/15 Closed
A new tenancy for private rented sector SG We have responded to the second consultation by the Scottish Government on a new tenancy for private sector in Scotland. We have expressed concern about the ending of the no... 30/03/15 - 10/05/15 Closed
Tax devolution in Wales - Land Transaction Tax WG We responded to the Welsh Government consultation on a Land Transaction Tax, to replace Stamp Duty Land Tax in Wales from April 2018. To the extent that we welcome the proposed... 10/02/15 - 06/05/15 Closed
Land Transaction Tax WG We responded to the Welsh Government consultation on a Land Transaction Tax, to replace Stamp Duty Land Tax in Wales from April 2018. To the extent that we welcome the proposed... 10/02/15 - 06/05/15 Closed
Regulatory Guidance Consultation SHR We have responded to the consultation by the Scottish Housing Regulator for the registered social landlord sector in Scotland. In the main the guidance is being tidied up and does... 01/02/15 - 24/04/15 Closed
Basel Committee on Banking Standards Consultative Document on Revisions to the standardised approach for credit risk BCBS We have responded to the Basel Committee on Banking Supervision’s consultation on Revisions to the Standardised Approach for credit risk. Our response makes the point that we believe that overall... 27/03/15 - 27/03/15 Closed
Capital floors - the design of a framework based on standardised approaches BCBS Our response makes the point that we believe that overall the design of any capital floors should await until a comprehensive review of the operation of the existing prudential regulation... 22/12/14 - 27/03/15 Closed
Joint committee consultation paper on guidelines for cross-selling practices ESA We have responded to the European Supervisory Authorities’ (ESAs)consultation on cross-selling practices. Our response makes a general point that we believe the MCD’s provisions on tying and bundling are sufficient... 22/12/14 - 20/03/15 Closed
Buy-to-let mortgages - implementing the Mortgage Credit Directive Order 2015 FCA The CML has responded to the FCA’s consultation on buy-to-let mortgages in relation to the Mortgage Credit Directive (MCD) Order. We are broadly supportive of the manner in which the... 01/02/15 - 19/03/15 Closed
Renewable Heat Incentives DECC We have responded to the Department of Energy and Climate Change's (DECC) call for evidence on renewable heat incentives. DECC is looking at the possibility of a third party financing... 28/01/15 - 12/03/15 Closed