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 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
Financial viability of RSLs - information requirements SHR CML Scotland has responded to the consultation by the Scottish Housing Regulator proposing that as part of the annual information requirements which it obtains from RSLs in Scotland, it should,... 11/04/13 - 11/04/13 Closed
Achieving consistent and high quality debt advice MAS The CML has issued a broadly supportive response to the Money Advice Service's consultation paper, welcoming the intentions behind its proposed Quality Framework. 18/03/13 - 18/03/13 Closed
CP13-3: Handbook transitional arrangements, the appointment of with-profits committee members and certain other Handbook amends FCA The CML has responded to CP 13-3 on regulatory reform. The response sets out our concerns regarding the need for clarity on the final transitional period for amending stationery (as set... 25/01/13 - 25/02/13 Closed
CP13-2: the Money Advice Service cost allocation method for 2013-14 FCA We have responded to proposals that home finance providers and administrators should pay a 1309% increase in the Money Advice Service levy. It is not just the magnitude of the increase... 22/02/13 - 22/02/13 Closed
CP12-35 – The FCA’s use of temporary product intervention rules FCA The CML has submitted a response to CP12-35 on The FCA’s use of Temporary Product Intervention Rules. Our response makes clear our overarching concern about the impact of temporary product... 02/12/12 - 04/02/13 Closed
The journey to the FCA FCA The CML has responded to the FSA’s consultation The Journey to the FCA. As part of our response we raise concerns regarding the uncertainty about how the FCA intends to... 09/01/13 - 09/01/13 Closed
Journey to the FCA: To make financial markets work well so consumers get a fair deal FCA The CML has responded to the FSA’s consultation The Journey to the FCA. As part of our response we raise concerns regarding the uncertainty about how the FCA intends to... 09/01/13 - 09/01/13 Closed
Land and Buildings Transaction Tax (Scotland) Bill SPFC The CML Scotland has made a submission to the Scottish Parliament, Finance Committee in respect of their call for evidence on the Land and Buildings Transaction Tax (Scotland) Bill. We... 03/01/13 - 03/01/13 Closed
The Prudential Regulation Authority's approach to banking supervision BOE The CML has responded to the joint Bank of England and FSA document that outlined the Prudential Regulation Authority’s (PRA) approach to banking supervision. Our comments focus on those areas... 01/10/12 - 18/12/12 Closed
The Mayor's Housing Covenant: homes for working Londoners GLAMAYOR The CML has responded to the Mayor’s Housing Covenant proposals for improving the intermediate housing market for working Londoners. We are supportive of the proposals to increase supply, streamline the... 01/09/12 - 17/12/12 Closed