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.
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|Consultation title||Consulting body||Summary||Consulting period||Status|
|Regulatory reform of Registered Social Landlords||WG||We are working with regulators and officials in the UK’s devolved nations as they develop their respective proposals to recalibrate the extent of government/ regulatory control over their RSL sectors.||08/05/17 - 03/07/17||Closed|
|Energy efficiency and condition standards in private rented housing: A Scotland's Energy Efficiency Programme Consultation||SG||We welcome in principle proposals that could improve the condition and standards of mortgaged private rented homes.||07/04/17 - 30/06/17||Closed|
|Refining the PRA’s Pillar 2A capital framework||PRA||Overall, we welcome the overarching methodology behind the proposed changes. In our view, the three capital pillars are inter-connected and dynamic.||24/02/17 - 31/05/17||Closed|
|Energy Strategy – Scotland's Energy Efficiency Programme (SEEP): consultation.||SG||Our response focuses on possible implications of an energy efficiency loan, the extent to which energy efficiency measures might impact the mortgageability of the property, consumer protection advice and more.||27/01/17 - 30/05/17||Closed|
|Changes to frequency of Help to Buy - Wales statistical outputs||WG||We support the proposal as it should provide more meaningful information for lenders and also align reporting with other Welsh Government statistical outputs on housing.||01/03/17 - 24/05/17||Closed|
|Private tenancies Scotland - Rent Pressure Zones||SG||The CML has provided a response to the Scottish Government’s consultation proposals relating to Rent Pressure Zones local authority requirements and landlord’s improvement costs guidance.||03/05/17 - 22/05/17||Closed|
|Property ownership and public contracting by overseas companies and legal entities: beneficial ownership register||BEIS||We agree that the government should proceed cautiously, with a view to ensuring the right balance between improving transparency and minimising burdens on legitimate commercial activity.||05/04/17 - 15/05/17||Closed|
|General Data Protection Regulation: Call for views||DCMS||In response we urge that DCMS put legislative derogations in place to enable lenders to process data for the purposes of assessing creditworthiness and detecting financial crime.||12/04/17 - 10/05/17||Closed|
|Transitioning toward an insurance backed compensation scheme||CILEx||Given the other legal sectors operating in conveyancing, CILEx will be mindful of the need to offer comparable client protection to that which exists for others offering conveyancing services.||10/03/17 - 05/05/17||Closed|
|FCA Quarterly Consultation No.16||FCA||We support the proposed changes to the the Supervision Manual (SUP), the Enforcement Guide (EG) arising from the extended Immigration Act 2014 and the proposed change to MCOB.||06/03/17 - 03/05/17||Closed|