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 This page is no longer being updated.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
Amendment to the Housing (Scotland) Bill requiring tenants' ballots SG We have responded to a consultation by the Scottish Government on a proposal to make an amendment at Stage 2 of the passage of the Housing (Scotland) Bill through the Scottish... 08/04/14 - 08/04/14 Closed
CP14-4 FCA Quarterly Consultation Paper No4 - Mortgage Affordability FCA The CML has responded to Chapter 5 of CP14-4, FCA Quarterly Consultation Paper No4, regarding the proposed changes to new MCOB rules to take into account FPC powers to make recommendations... 01/03/14 - 04/04/14 Closed
Charging fees for social housing regulation HCA The CML has responded to the HCA's discussion paper on proposals to charge fees for social housing regulation in England. We think the proposals are a broadly sensible way forward... 24/03/14 - 24/03/14 Closed
Introduction of a Land Registry service delivery company BIS The CML have today responded to the BIS consultation on the introduction of a Land Registry service delivery company. While the CML is not wholly rejecting the concept of a... 23/01/14 - 20/03/14 Closed
Land Registry, Wider Powers and Local Land Charges LR The CML has today responded to the Land Registry’s consultation on wider powers and Local Land Charges. While supportive of the principles behind the proposals, we have some concerns about... 16/01/14 - 07/03/14 Closed
Home Report SG CML Scotland has responded to the consultation by the Scottish Government on their interim review of the Home Report which coincides with the fifth anniversary of its introduction. We have... 26/02/14 - 26/02/14 Closed
Homes for London: The London Housing Strategy GLAMAYOR The CML has responded to the GLA’s draft London Housing Strategy, which aims to improve housing supply and quality across all tenures, including private renting. The proposals include a focus... 18/11/13 - 14/02/14 Closed
Lyons Housing Review IB The call for evidence focuses on the structural barriers to, and solutions for, bringing about a step change in house-building. The CML supports the objective of increasing supply. Although the... 12/02/14 - 12/02/14 Closed
Financial Ombudsman Service – Consultation on plans and budget for 2014-2015 FOS The CML has responded to the Financial Ombudsman Service consultation on its plan and budget for 2014-15. 05/01/14 - 07/02/14 Closed
Housing (Scotland) Bill SPFC The CML has responded to the call by the Scottish Parliament Infrastructure and Capital and Investment Committee on the Housing ( Scotland) Bill. We have commented on the proposed end to... 01/12/13 - 31/01/14 Closed