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
The Future of Building Societies HMT The CML has responded to the HMT Treasury discussion paper entitled “The future of building societies" 01/07/12 - 06/09/12 Closed
The future of Right-to-Buy in Scotland SG CML Scotland has responded to the Scottish Government consultation on the Future of Right-to-Buy (RTB) in Scotland. We have said that we welcomed the retention in 2009 of the RTB for... 01/08/12 - 29/08/12 Closed
Taking forward a Scottish Land and Buildings Transaction Tax SG CML Scotland has responded to the Scottish Government consultation on taking forward a Scottish Land and Buildings Transaction Tax (SLBTT). SLBTT would replace stamp duty land tax in 2015 when the... 01/06/12 - 29/08/12 Closed
Scottish Social Housing Charter Indicators SHR CML Scotland has responded to the Scottish Housing Regulator on its consultation on monitoring the Scottish Social Housing Charter. We have suggested the proposed approach to doing so appears simplistic... 01/08/12 - 24/08/12 Closed
Universal Credit and related Regulations - Support for Mortgage Interest (SMI) SSAC This is part 2 of our response to the Social Security Advisory Committee’s call for evidence and covers the provisions relating to Support for Mortgage Interest (SMI). 01/07/12 - 27/07/12 Closed
Universal Credit and related Regulations - housing benefit and welfare SSAC This is part 1 of our response to the Social Security Advisory Committee’s call for evidence and covers Universal Credit/housing benefit in the social sector, including the social sector size criteria. 01/07/12 - 27/07/12 Closed
A strategy for the private rented sector SG CML Scotland has responded to the Scottish Government consultation on a strategy for the private rented sector in Scotland. In our response we have highlighted that any move towards longer-term... 01/06/12 - 10/07/12 Closed
Inquiry into the Financial Policy Committee's macroprudential tools BOE Our written evidence in respect of the Treasury committee's inquiry into the macroprudential tools that will be available to the Bank of England's Financial Policy Committee. 16/03/12 - 27/06/12 Closed
Reform of the REIT regime: potential social housing REITs DCLG The CML has responded to the joint consultation by HM Treasury and DCLG on the potential for REITs to support delivery of new social and affordable housing. We support this... 01/04/12 - 27/06/12 Closed
Money Advice Service TC In our written evidence to the Treasury Committee inquiry, we stress that the Money Advice Service should not duplicate or reinvent previous endeavours, must be accountable over costs and should... 01/06/12 - 06/06/12 Closed