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.

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.

Consumer buy-to-let

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.

General Data Protection Regulation

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.

Mortgage Credit Directive

Last reviewed: 6 October 2016

This page provides information on the FCA's final Mortgage Credit Directive (MCD) rules.

Mortgage market review

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.

The evolution of mortgage regulation

Last updated: 28 November 2016

A summary of mortgage regulation over the past twenty years and an explanation of how mortgage regulation works today.

Transparency of mortgage fees and charges

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.