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 This page is no longer being updated.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
A new tenancy for the private sector in Scotland SG We have responded to the Scottish Government consultation on a new tenancy regime for the private rented sector. We have welcomed many of the proposals in the paper including the... 05/01/15 - 05/01/15 Closed
Call for evidence: British Credit Unions at 50 HMT The CML has responded to the HMT’s call for evidence: British credit unions at 50. Our response sets out our view that the current regulatory regime is overly restrictive and burdensome... 23/06/14 - 31/12/14 Closed
CP14/20: Implementing the Mortgage Credit Directive and the new regime for second charge mortgages FCA Our response to the FCA’s Mortgage Credit Directive consultation calls on the FCA to take a pragmatic approach to implementing this European legislation. There are a number of areas where... 25/09/14 - 30/12/14 Closed
Right to Build: Supporting Custom and Self Build DCLG The CML has responded to the Department for Communities and Local Government consultation on Right to Build. The CML is supportive of efforts to increase housing supply, recognising that custom-build... 01/10/14 - 19/12/14 Closed
Proposals to exempt certain heritable securities from from the "20 year security rule" SG We have responded to this Scottish Government consultation saying we support fully their proposals to exempt Scottish Government shared equity schemes such as Help to Buy and LIFT from the... 27/10/14 - 18/12/14 Closed
Draft guidance on housing association board member remuneration WG We responded by welcoming the flexibility and freedom for boards to decide to remunerate, as this could help attract and retain the required skills and expertise needed for good governance.... 15/09/14 - 08/12/14 Closed
The Financial Policy Committee's housing market tools HMT We have responded to HMT’s consultation on the Financial Policy Committee’s housing market tools. We question why the FPC feels it needs the power of direction - rather than recommendation - on... 30/10/14 - 28/11/14 Closed
Consultation on Housing and Wellbeing SHELTER We have responded to consultation by Shelter Scotland Housing Commission on Housing and Wellbeing. In particular we have commented on proposals in the consultation about residential mortgage lending and lending... 25/11/14 - 25/11/14 Closed
The Standard Financial Statement MAS The CML has responded to the Money Advice Service consultation on a 'Standard Financial Statement'. While the CML supports standardisation of documentation in this particular part of the mortgage market... 01/10/14 - 12/11/14 Closed
Social Media and Customer Communications FCA The CML responds to the FCA guidance consultation on GC14/06 social media and customer communications. 01/08/14 - 06/11/14 Closed