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|
|Future of the Internal Ratings-Based (IRB) approach||EBA||The CML has responded to the EBA's discussion paper on the Future of the IRB Approach. We are supportive of improvements to the IRB approach which increase the regulators and...||12/11/14 - 12/03/15||Closed|
|Building More Homes on Brownfield Sites||DCLG||We have replied to the Department for Communities and Local Government's consultation "Building more homes on brownfield sites". We broadly support the proposals in the consultation which introduce the collation...||28/01/15 - 11/03/15||Closed|
|Proposals to streamline the re-sale of shared ownership properties||DCLG||The CML have responded to the DCLG consultation on Proposals to streamline the re-sale of shared ownership properties.||31/01/15 - 28/02/15||Closed|
|Draft guidelines on creditworthiness assessment||EBA||The CML has responded to the European Banking Authority's consultation on the draft guidelines for the Mortgage Credit Directive's creditworthiness assessment. We were broadly happy with the guidelines but we...||12/12/14 - 13/02/15||Closed|
|Draft Guidelines on product oversight and governance arrangements for retail banking products||EBA||The CML has responded to the European Banking Authority's consultation on draft guidelines for product oversight and governance. We have sought the EBA's clarification on the rationale for these guidelines...||10/11/14 - 13/02/15||Closed|
|Draft Guidelines on Arrears and Foreclosure||EBA||The CML has responded to the European Banking Authority's (EBA)Consultation on proposed guidelines, to be considered across the EU, for dealing with mortgage arrears and foreclosure. Broadly, the UK's existing...||12/12/14 - 12/02/15||Closed|
|Starter Homes - Stepping onto the property ladder: high quality starter homes for first time buyers||DCLG||The CML has responded to the Department for Communities and Local Government’s (DCLG) consultation “Stepping onto the Property Ladder – high quality starter homes for first time buyers”. Our overall view...||15/12/14 - 09/02/15||Closed|
|GC14/7 Proposed guidance on financial crime systems and controls||FCA||The CML has issued a brief response to the Financial Conduct Authority's consultation on its proposed guidance on financial systems and controls. Broadly we welcome the guidance for firms but...||14/11/14 - 06/02/15||Closed|
|MIPRU Simplification||FCA||The CML and IMLA have responded to the FCA's consultation on simplification of MIPRU. Broadly we welcome the proposals but are keen to ensure that lenders, active in specific sectors,...||01/12/14 - 21/01/15||Closed|
|High Speed 2 (HS2) Phase Two - Fradley to Crewe||DFT||We have responded to this consultation by HS2 and the Department of Transport. We welcome the introduction of blight provisions for this section of HS2 Phase 2 at an early stage....||01/11/14 - 06/01/15||Closed|