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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.

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Reviewing and appealing a regulatory decision: a consultation paper

Last updated: 18 Dec 2015

Consulting body:
Scottish Housing Regulator
Period of consultation:
Runs from 13 November 2015 to 15 January 2016
CML action:
Response submitted
The Scottish Housing Regulator has issued a consultation paper on reviewing and appealing regulatory decisions which it makes in relation to the social housing sector in Scotland.

This paper builds upon the discussion paper issued by the Regulator in September 2015 which we responded to and contains no surprises although it does outline timescales for the review and appeal processes.

Read the consultation paper

Whilst understanding the reasons behind introducing a review/appeals process we are firmly of the view that the SHR has to continue to be able to exercise its professional judgement and regulatory discretion to maintain lender confidence in the RSL sector. We believe that our members will look to be able to take whatever action they consider appropriate having established fully all the facts notwithstanding that a review or appeal may be in process.

Read the full CML response to this consultation in the downloads section below.