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 This page is no longer being updated.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
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