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 This page is no longer being updated.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
MAS Business Plan 2013/14 MAS The CML has responded to the Money Advice Service Business Plan 2013/14. 11/02/13 - 11/02/12 Closed
Reinvigorating the Right to Buy and one-for-one replacement DCLG The CML has responded to the Consultation by DCLG on extending the Right to Buy and one-for-one stock replacement. Our response emphasises that any extension of RTB should not be... 01/12/11 - 02/02/12 Closed
Long Leases (Scotland) Bill RACCEC CML Scotland has responded to the call from the Scottish Parliament Rural Affairs, Climate Change and Environment Committee for written evidence on the Long Leases (Scotland) Bill. The response closely... 31/01/12 - 31/01/12 Closed
The Revised Regulatory Framework for social housing in England from April 2012 TSA The CML has responded to the Consultation by the TSA, the Social Housing Regulator, on a revised regulatory framework for social housing in England from 2012. Our response addresses, in particular,... 27/01/12 - 27/01/12 Closed
Land Registration (Scotland) Bill SPEETC CML Scotland has responded to the call by the Scottish Parliament Economy, Energy and Tourism Committee to submit written evidence on the Land Registration (Scotland) Bill which was laid before... 20/01/12 - 20/01/12 Closed
The Green Deal and Energy Company Obligation DECC The CML has responded to the Department of Energy and Climate Change's wide-ranging consultation on the Green Deal. Our response focuses on consumer protection, mortgage affordability, consents, disclosure, saleability, valuations... 01/12/11 - 18/01/12 Closed
SRA financial protection review SRA The CML has responded to the SRA’s consultation on the rule changes required to implement the policy decisions on client financial protection changes made last year. While the rules appear... 01/01/12 - 17/01/12 Closed
Money Advice Service and the coordination and provision of debt advice HMT The CML has responded to government's proposal that the Money Advice Service's statutory function is strengthened with references to both the provision and coordination of debt advice. 06/01/12 - 06/01/12 Closed
Mortgage regulation HMT The CML responded to the HM Treasury consultation paper on Mortgage Regulation. In so far as the proposals on buy-to-let regulation are concerned, this consultation about new mortgage regulation needs... 02/12/09 - 15/02/10 Closed