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
Approaches to Quality LSB The CML has responded to the Legal Services Board consultation on approaches to quality in legal services. In our response, we highlight some of the recent challenges lenders have faced... 11/03/12 - 01/06/12 Closed
Consultation on Comprehensive Review Phase 2B: Tariffs for non-PV technologies and scheme administration issues DECC In the response, CML highlights some of the concerns of lenders about the strength of the regulation of licensees under the FIT Scheme, and related concerns about consumer detriment as... 01/03/12 - 08/05/12 Closed
Social housing fraud - DCLG DCLG The CML has responded to the DCLG consultation on Social Housing Fraud. In principle we agree that a new criminal offence of social housing fraud could provide an additional deterrent... 05/01/12 - 03/04/12 Closed
Review of Investment in the Private Rented Sector DCLG This is a high-level response to the DCLG - Montague Review: barriers to institutional investment in private rented homes. 01/03/12 - 02/04/12 Closed
Mortgage Market Review: Proposed package reforms FCA The CML has responded to the latest mortgage market review consultation from the FSA that includes the full set of proposals – CP 11/31. We have reviewed the proposals and concluded that... 01/12/11 - 30/03/12 Closed
The proposed revised accounting direction for social housing in England from April 2012 TSA The CML has responded to the TSA consultation on a revised accounting direction for social housing in England from April 2012. We broadly support the principle of the proposed direction, which... 06/03/12 - 06/03/12 Closed
Budget 2012 HMT This is the CML's submission to Budget 2012 29/02/12 - 29/02/12 Closed
Report on Professional Indemnity Insurance (PII) for valuations in the UK RICS The CML has responded to the RICS consultation on Professional Indemnity Insurance (PII). The response looks at the current problems with the PII market for valuers and emphasises the need... 01/02/12 - 28/02/12 Closed
Support for Mortgage Interest DWP The CML has responded to DWP’s informal call for evidence on reforms to SMI. Our response focuses on three elements: the rate at which SMI is paid; the need to... 03/01/12 - 27/02/12 Closed
Meeting the Housing Challenge: Building a consensus for action WG CML Cymru has responded to the Welsh Government discussion paper Meeting the Housing Challenge: Building a consensus for action. We focus on implications for lenders, particularly in the buy-to-let market,... 01/02/12 - 17/02/12 Closed