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
Recovering the costs of administering the regulatory gateway through application fees FCA The CML has responded to the FCA's consultation on recovering the costs of administering the regulatory gateway (DP14/1). Our response recommends these costs should continue to be shared between existing... 01/06/14 - 26/08/14 Closed
Changes to the regulatory framework for social housing in England HCA We have responded to the HCA consultation on their proposed changes to the regulatory framework for social housing in England. Although we are generally supportive, some areas could benefit from... 27/05/14 - 21/08/14 Closed
Enforcement decision-making at the financial services regulators HMT The CML has responded to the Treasury consultation on enforcement decision making at the financial services regulators. We consider the financial regulators’ approach to enforcement is broadly effective. Some aspects... 22/07/14 - 22/07/14 Closed
The case for a better functioning securitisation market in the European Union BOE We have responded to the discussion paper jointly prepared by the Bank of England and the European Central Bank on the securitisation market. In our response, we confine our comments... 15/05/14 - 04/07/14 Closed
CP14/11: Retirement reforms and the government guarantee FCA We have responded to the FCA’s consultation on retirement reforms and the government guarantee, highlighting that it should be identified whether someone has outstanding debt or a mortgage at the... 01/07/14 - 01/07/14 Closed
Professional Indemnity Insurance SRA The CML has responded to the SRA’s consultation on changes to solicitor’s professional indemnity cover. We are concerned that the proposals to remove financial institutions from protection under compulsory PI... 18/06/14 - 18/06/14 Closed
Changes to Reporting Accounting Requirements SRA The CML has responded to the SRA’s consultation on changes to reporting accounting requirements. We are concerned at the proposals to remove the requirement for independent accountant assessments of SRA-regulated... 18/06/14 - 18/06/14 Closed
Flood insurance, Flood Re and the recent floods EFRA COMMI We are providing this briefing to set out our headline concerns principally about the extent of the exclusions from the Flood Re scheme, which will generally not accept households where... 11/03/14 - 10/06/14 Closed
The introduction of an eligibility criteria SRA The CML has responded to the SRA’s consultation on eligibility criteria for the SRA compensation fund, which proposes to remove financial institution’s eligibility to claim. We have highlighted some of... 01/06/14 - 01/06/14 Closed
Housing SORP NHF The CML has responded to a consultation survey by the National Housing Federation about revised guidance on impairment of assets in the accounts of housing associations. The guidance will form... 28/05/14 - 28/05/14 Closed