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 This page is no longer being updated.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
Housing White Paper consultation – changes to planning policy and legislation DCLG We welcome the publication of the paper, and look forward to working with the government on measures seeking to increase the availability, affordability and choice of homes across different tenures. 07/02/17 - 02/05/17 Closed
Guidance on the treatment of politically exposed persons (PEPs) under the Money Laundering Regulations 2017 FCA We broadly welcome the guidance, and make a number of suggestions for improved clarity and utility, such as the inclusion of case studies. 15/03/17 - 18/04/17 Closed
Consultation on heat & energy efficiency strategies, and regulation of district heating SG The proposals could have significant impacts on lenders and consumers, as they envisage the possibility of building owners/ consumers being required or compelled to connect to a district heating system. 28/01/17 - 18/04/17 Closed
Money laundering regulations 2017 consultation HMT We believe the draft regulations meet the aims of keeping the AML/CTF regime up to date, effective and proportionate. 15/03/17 - 12/04/17 Closed
Recovery of Capital Grant General Determinations 2017 GLAMAYOR Sector legal advisers have concluded that this is acceptable from the perspective of lenders, particularly as it does not prevent a disposal by a lender in possession scenarios. 23/03/17 - 11/04/17 Closed
Proposals to amend the Land Registration Rules 2003 LR We have responded to the land registration rules consultation, supporting changes to the rules to enable electronic conveyancing, but calling for further clarity on the robustness of identity verification measures. 09/02/17 - 05/04/17 Closed
Private Rented Sector in Northern Ireland – Proposals for change DfC We are concerned by paragraph 7.32, which states that “Northern Ireland has fallen behind other jurisdictions in relation to regulation…” as this implies that there is a regulatory ‘arms race’. 10/01/17 - 03/04/17 Closed
Reviewing the funding of the Financial Services Compensation Scheme (FSCS) - consultation FCA It is our opinion that any funding model that the FCA proposes for the FSCS must be transparent and ensure that the regulated UK financial markets work well. 14/12/16 - 31/03/17 Closed
HCA consultation on an amendment to the Tenant Involvement and Empowerment Standard HCA We have decided not to respond to this consultation, as it is not directly relevant to us and our members. 08/02/17 - 22/03/17 Closed
The future of Ireland's mortgage market - consultation CCPC We welcome the opportunity to provide general comments for this consultation, outlining what we believe makes for an effective mortgage market for lenders plus their existing and potential customers. 20/02/17 - 20/03/17 Closed