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 www.ukfinance.org.uk 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
CP on separate representation in conveyancing lawscot The CML Scotland has responded to the consultation by the Law Society of Scotland (LSS) on their proposed move to separate representation. We remain opposed to move to separate representation,... 19/07/13 - 19/07/13 Closed
Policy paper - House building and a private rented sector that works for Britain's families LAB This CML submission focuses on the Labour Party's proposals for landlord registration, letting agent regulation and security of tenure in the private rented sector. 31/05/13 - 31/05/13 Closed
Exercising the statutory power to pay the cost of firm interventions from the Compensation Fund SRA The CML has responded to the SRA’s consultation on paying for the cost of solicitor firm interventions via the Compensation Fund. We are concerned about the impact this may have... 31/05/13 - 31/05/13 Closed
GC13/2 Dealing fairly with interest-only mortgage customers who risk being unable to repay their loan FCA The CML has responded to the FCA’s consultation on draft guidance on dealing fairly with interest-only customers at risk of being unable to repay their loan. The CML has worked... 30/05/13 - 30/05/13 Closed
DP13/1: Transparency FCA The CML has responded to the FCA’s discussion paper on transparency. Our response sets out our view that transparency of regulation is crucial for the effective operation of the mortgage... 01/03/13 - 24/05/13 Closed
CP: HS2 - Exceptional Hardship Scheme for Phase Two DFT The CML has responded to the Department for Transport’s consultation on an Exceptional Hardship scheme for Phase two of HS2. We are broadly supportive of the proposals; however, highlight that... 28/01/13 - 20/05/13 Closed
HS2 - Exceptional Hardship Scheme for Phase Two DFT The CML has responded to the Department for Transport’s consultation on an Exceptional Hardship scheme for Phase two of HS2. We are broadly supportive of the proposals, however highlight that... 20/05/13 - 20/05/13 Closed
Protecting social housing assets in a more diverse sector HCA The CML has responded to the HCA discussion paper Protecting social housing assets in a more diverse sector, and looks forward to further engagement with the Agency and the housing... 17/05/13 - 17/05/13 Closed
CP4-13: Credit risk and internal ratings based approaches PRA The CML has responded to proposals from the PRA which could see capital cover requirements for lending to housing associations increase substantially. 26/04/13 - 26/04/13 Closed
Credit risk and internal ratings based approaches PRA The CML has responded to proposals from the PRA which could see capital cover requirements for lending to housing associations increase substantially. 26/04/13 - 26/04/13 Closed