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 This page is no longer being updated.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
Court fees: proposals for reform MOJ The CML has responded to proposed increases in fees for issuing possession claims. We are particularly concerned by the apparently arbitrary discount for possession claims issued online, which does not... 03/12/13 - 21/01/14 Closed
Regulatory fees and levies: policy proposals for 2014/15 MAS The CML has responded to the Money Advice Service levy proposals for 2014/15. The CML has urged the Money Advice Service to build upon its engagement with the industry and to... 01/12/14 - 07/01/14 Closed
Proposed Protection from Eviction (Bedroom Tax) (Scotland) Bill SG CML Scotland has responded to the consultation by Jackie Baillie MSP on her proposed Bill to prevent eviction for rent arrears caused by the "bedroom tax" in the social rented... 18/12/13 - 18/12/13 Closed
SRA consultation on file retention SRA The CML has responded to the SRA’s consultation on file retention following an intervention into a firm. We have urged the SRA to reconsider their proposals to shorten the retention... 09/12/13 - 09/12/13 Closed
Implementation of Land Registration, etc (Scotland) Act 2012 ROS CML Scotland has responded to a consultation by the Registers of Scotland on the implementation of the Land Registration, etc (Scotland) Act 2012. 04/12/13 - 04/12/13 Closed
Property compensation for HS2 DFT The CML has responded to the government’s consultation on property compensation for HS2. While the range of discretionary measures proposed offer a measure of certainty for owner-occupiers, we have urged... 04/12/13 - 04/12/13 Closed
RICS Scotland Housing Commission RICS CML Scotland has responded to a call for evidence from a Housing Commission established by the RICS in Scotland. Our response covers areas such as house price affordability, affordable housing... 15/11/13 - 15/11/13 Closed
12th Programme of Law Reform Law Com The CML has responded to the Law Commission's consultation on their 12th programme of law reform. We have urged the Law Commission to re-present their proposals to improve the law... 23/10/13 - 23/10/13 Closed
CPS 13 - Strengthening Capital Standards: implementing CRD IV PRA The CML responds to the PRA Consultation Paper CPS 13 on Strengthening Capital Standards: implementing CRD IV. 01/10/13 - 01/10/13 Closed
Draft Water Bill clauses DEFRA The CML has responded to DEFRA following an invitation to comment on draft clauses for the Water Bill. You will see that we are concerned key issues we raised in... 01/10/13 - 01/10/13 Closed