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 This page is no longer being updated.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
Starter homes regulations: technical consultation DCLG We acknowledge the range of member views on this consultation and our response makes key proposals to improve the scheme and encourage the greatest possible lender participation. 23/03/16 - 18/05/16 Closed
Consultation on proposed changes to Consumer Code for home builders CCHBMB We agree with the proposed amendments to ‘Home Buyer’ and ‘Vulnerable Customer’ and note that the definition of vulnerable customer is similar to that used in the financial services industry 01/03/16 - 30/04/16 Closed
The Renewable Heat Incentive: a reformed and refocused scheme DECC We have now responded, with particular focus on the proposals relating to the domestic scheme, intended to increase renewable heating technologies among customers who are less able to pay. 03/03/16 - 27/04/16 Closed
BIS call for evidence: Terms and Conditions and consumer protection fining powers BIS The call for evidence rightly appears to focus on the sectors where there is light touch or less regulation and/or where a customer is most likely to accept T&Cs without... 01/03/16 - 25/04/16 Closed
Ageing population and financial services FCA The FCA invited collaboration and communication from its stakeholders on issues relevant for older consumers, so that together we can design recommendations that improve market outcomes for these consumers. 22/02/16 - 15/04/16 Closed
Upward extensions in London DCLG In principle, greater freedom to build upwards, on existing premises could be a viable option to increase housing supply. 01/02/16 - 15/04/16 Closed
BIS consultation with amended proposals on Revisions to the Standardised Approach for credit risk BCBS In response to the submissions to the first consultation on Revisions to the Standardised Approach for credit risk, the BIS has published a further consultation with amended proposals. 01/12/15 - 11/03/16 Closed
Financial Policy Committee powers of direction in the buy-to-let market HMT HM Treasury have published a consultation on the operation of the UK BTL market in relation to the potential risks the BTL market may have with regard to financial stability. 17/12/15 - 11/03/16 Closed
Future flood prevention inquiry: Environment, Food and Rural Affairs Committee call for submissions EFRA COMMI The EFRA Committee has announced an inquiry into future flood prevention in England, following severe flooding this winter. 05/02/16 - 26/02/16 Closed
Changes to the National Planning Policy Framework DCLG The government has recently opened a consultation on various changes to the National Planning Policy Framework. 01/12/15 - 22/02/16 Closed