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
Good practice guide to estate regeneration - consultation GLAMAYOR The guide appears sensible and it should be capable of providing a useful and constructive reference resource of good practice principles for housing associations and local authorities, tenants and long-leaseholders. 13/12/16 - 14/03/17 Closed
HS2 Phase 2b Crewe to Manchester, West Midlands to Leeds Property Consultation 2016 DFT HS2 have published their response to the Phase 2b property compensation schemes consultation. They have decided to introduce the same compensation package for phase 2b as for previous phases. 15/11/16 - 09/03/17 Closed
A revised and improved approach to delivery of housing regulation WG We believe that these judgements should, subject to effectively resourced implementation, support lenders and investors in calibrating their own assessments of RSL businesses. 13/01/17 - 24/02/17 Closed
Extending Coverage of the Freedom of Information (Scotland) Act 2002 to Registered Social Landlords SG We disagree with the proposal. It is not necessary; disproportionate; resource intensive; and inconsistent with the government’s stated intention of legislating to ensure RSLs can be reclassified as private bodies. 01/12/16 - 23/02/17 Closed
Digital Transformation: Next Steps ROS Registers of Scotland have now published their analysis of responses to this consultation. 30/11/16 - 22/02/17 Closed
Funding for Supported Housing - consultation DCLG We are of the view that the proposed funding model, in particular the local ring-fence, will bring greater uncertainty and additional risk into funding decisions for supported housing providers. 21/11/16 - 13/02/17 Closed
Public financial guidance review: consultation on a single body HMT Bringing together pensions, money guidance and debt advice in a Single Financial Guidance Body should have the aim of taking an holistic approach to advice and guidance on financial matters. 21/12/16 - 13/02/17 Closed
Proposals to seek reversal of the reclassification of registered Social Housing providers in Northern Ireland DfC We expect legislative changes for Northern Ireland to be consistent with the changes already taken in relation to the powers of the social housing regulator in England. 08/12/16 - 08/02/17 Closed
Money Advice Service 2017/18 business plan - consultation MAS We welcome the aim “to support significantly more over-indebted people to access free, high-quality advice, as early as possible, to resolve their crises and build their long-term financial capability”. 21/12/16 - 06/02/17 Closed
FCA Quarterly Consultation, December 2016 FCA The FCA has made a sensible proposal to extend the time limit on obtaining relevant qualification for mortgage advisers which the CML has endorsed. 02/12/16 - 02/02/17 Closed