Alongside prudential regulation, firms have to comply with conduct regulation, which addresses the way lenders treat their customers and uphold market integrity. The Financial Conduct Authority is the principal regulator overseeing conduct regulation in the UK.
See below for detailed information on our policy work in this area.
Last updated: 18 November 2016
This is an overview of the changes required for buy to let lending because of the introduction of new regulations which apply to consumers who use buy to let mortgages. These changes will mean that more buy to let loans fall within the remit of the FCA from 21 March 2016.
Last updated: 10 May 2017
In April 2016, the General Data Protection Regulation (GDPR) was formally agreed. It is directly applicable legislation and will automatically become part of UK law from 25 May 2018.
Last reviewed: 6 October 2016
This page provides information on the FCA's final Mortgage Credit Directive (MCD) rules.
Last updated: 12 December 2016
The Mortgage market review (MMR) resulted in a set of major changes to the Financial Conduct Authority's Mortgage Conduct of Business rules (MCOB) which took effect from 26 April 2014.
Last updated: 28 November 2016
A summary of mortgage regulation over the past twenty years and an explanation of how mortgage regulation works today.
Last updated: 26 March 2018
A major strength of the UK mortgage market is that it offers a huge amount of choice to consumers. This makes it more likely that consumers can get a mortgage that best fits their needs.