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Mortgage and home finance regulation

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Latest Financial Services News

EU courts told to let Iranian companies use sanction blocking law

EU courts told to let Iranian companies use sanction blocking law

The following Corporate Crime news provides comprehensive and up to date legal information on EU courts told to let Iranian companies use sanction blocking law

FCA looks to challenge Amigo Loans’ restructuring plan

FCA looks to challenge Amigo Loans’ restructuring plan

The following Banking & Finance news provides comprehensive and up to date legal information on FCA looks to challenge Amigo Loans’ restructuring plan

FCA to review regulatory extension scheme after Greensill

FCA to review regulatory extension scheme after Greensill

The following Financial Services news provides comprehensive and up to date legal information on FCA to review regulatory extension scheme after Greensill

Financial Services weekly highlights—13 May 2021

Financial Services weekly highlights—13 May 2021

The following Financial Services news provides comprehensive and up to date legal information on Financial Services weekly highlights—13 May 2021

Featured Financial Services content

What is credit and what is a regulated consumer credit agreement?

What is credit and what is a regulated consumer credit agreement?

Scope of this Practice NoteThere are several factors to consider when deciding whether or not a credit agreement is regulated under the regulatory...

MiFID I—Transaction reporting

MiFID I—Transaction reporting

This Practice Note provides an overview of the transaction reporting requirements that existed under the Markets in Financial Instruments Directive...

The impact of Brexit on the MiFID II regime

The impact of Brexit on the MiFID II regime

This Practice Note provides information relating to the impact of Brexit on the recast Markets in Financial Instruments Directive (Directive...

Second Wire Transfer Regulation (WTR2)—essentials

Second Wire Transfer Regulation (WTR2)—essentials

Brexit: As of exit day (31 January 2020), the UK is no longer an EU Member State. However, in accordance with the Withdrawal Agreement, the UK has...

Practice notes

Debt sale and purchase agreements

The debt sale and purchase market in the UKThe debt sale and purchase market has for some time been very active throughout the UK. It is an important...
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9th Nov
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Practice notes

Authorised unit trust authorisation and winding-up

Authorisation of an authorised unit trust (AUT)What is an AUT?A unit trust is a type of collective investment scheme (CIS) in which the assets are...
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9th Nov
Practice notes

Entering into a consumer hire agreement as owner

BREXIT: The UK is leaving EU on Exit Day (as defined in the European Union (Withdrawal) Act 2018). This has an impact on this Practice Note. To ensure...
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9th Nov
Practice notes

European Venture Capital Funds (EuVECA) Regulation

BREXIT: As of exit day (31 January 2020), the UK is no longer an EU Member State. However, in accordance with the Withdrawal Agreement, the UK has...
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9th Nov
Practice notes

UCITS VI

UCITS VIUCITS VI describes the European Commission's Consultation on Undertakings for Collective Investment in Transferable Securities issued 26th...
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Produced in partnership with Andrew Henderson Partner, Eversheds Sutherland LLP 12th Jan
Practice notes

MLD4—key provisions for financial services firms—one minute guide

Brexit: As of exit day (31 January 2020) the UK is no longer an EU Member State. However, in accordance with the Withdrawal Agreement, the UK has...
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9th Nov
Practice notes

Recognised investment exchanges

Recognised investment exchangesA recognised investment exchange (RIE) is a UK recognised body under Part XVIII of the Financial Services and Markets...
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9th Nov
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Practice notes

Fair and Effective Markets Review (FEMR)—one minute guide

On 10 June 2015, the Fair and Effective Markets Review (FEMR) published its final report. Running to 106 pages, the report covers a wide range of...
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9th Nov
Practice notes

Financial Conduct Authority—Principles for Businesses (PRIN)

This Practice Note explains the Principles for Businesses (PRIN) set down by the Financial Conduct Authority (FCA). The Principles form part of the...
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9th Nov
Practice notes

Consumer protection—FCA and other regulatory requirements

This Practice Note looks at key aspects of consumer protection within the UK financial services regulatory system. The UK’s regulatory structure,...
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9th Nov
Practice notes

Financial Conduct Authority—objectives and principles

The role of the FCAThe Financial Conduct Authority (FCA) forms part of the regulatory structure for financial services firms. The FCA has a...
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9th Nov
Practice notes

Basel Accord

The Basel Committee on Banking Supervision (BCBS), consisting of the central banks of governors of the so-called G10 countries (Belgium, Canada,...
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Produced in partnership with Morrison & Foerster LLP 12th Jan
Practice notes

Non-UCITS retail schemes (NURS)

BREXIT: As of exit day (31 January 2020), the UK is no longer an EU Member State. However, in accordance with the Withdrawal Agreement, the UK has...
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Produced in partnership with Ms Elizabeth Budd of Pinsent Masons 12th Jan
Practice notes

Insurance conduct regulation—COBS and ICOBS

The Financial Conduct Authority Handbook (FCA Handbook) includes sourcebooks to regulate the conduct of business by a regulated firm relevant to...
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9th Nov
Practice notes

What is electronic money?

BREXIT: UK is leaving EU on Exit Day (as defined in the European Union (Withdrawal) Act 2018). This has an impact on this Practice Note. For further...
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9th Nov
Practice notes

The Money Laundering Reporting Officer (MLRO)—duties

The roles of nominated officer and money laundering reporting officerA nominated officer is an individual who is nominated by a firm to receive...
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9th Nov
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Most recent Mortgage and home finance regulation content

Practice notes

Mortgage and home finance conduct of business—application and general requirements

Mortgage and home finance conduct of business—application and general requirementsBREXIT: 11pm (GMT) on 31 December 2020 (‘IP completion day’) marked...
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15th May
Practice notes

Regulation of consumer buy-to-let lending in the UK

Regulation of consumer buy-to-let lending in the UKBREXIT: 11pm (GMT) on 31 December 2020 (‘IP completion day’) marked the end of the Brexit...
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Produced in partnership with Rachpal Thind, Partner and Rachel O’Brien, Associate of Sidley Austin LLP 15th May
Practice notes

Mortgage and home finance conduct of business—distribution and disclosure requirements

Mortgage and home finance conduct of business—distribution and disclosure requirementsBREXIT: 11pm (GMT) on 31 December 2020 (‘IP completion day’)...
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15th May
Practice notes

Second charge mortgage regime

Second charge mortgage regimeBREXIT: UK is leaving EU on Exit Day (as defined in the European Union (Withdrawal) Act 2018). This has an impact on this...
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Produced in partnership with Pinsent Masons 15th May
Practice notes

EEA passporting rights under the Mortgage Credit Directive

EEA passporting rights under the Mortgage Credit DirectiveBREXIT: 11pm (GMT) on 31 December 2020 (‘IP completion day’) marked the end of the Brexit...
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Produced in partnership with Rachpal Thind, Partner and Rachel O’Brien, Associate of Sidley Austin LLP 15th May
Practice notes

Arranging deals in home finance transactions

Arranging deals in home finance transactionsBackground to the regulation of home finance transactionsThe regulation of home finance transactions came...
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15th May
Practice notes

UK transposition of the Mortgage Credit Directive—roadmap

UK transposition of the Mortgage Credit Directive—roadmapBREXIT: UK is leaving EU on Exit Day (as defined in the European Union (Withdrawal) Act...
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15th May
Practice notes

Coronavirus (COVID-19)—implications for consumer credit, overdrafts and mortgages

Coronavirus (COVID-19)—implications for consumer credit, overdrafts and mortgagesIn order to minimise the medium- and long-term economic impacts of...
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15th May
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Practice notes

Mortgage and home finance conduct of business—financial promotion and communications regime

Mortgage and home finance conduct of business—financial promotion and communications regimeBREXIT: 11pm (GMT) on 31 December 2020 (‘IP completion...
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15th May
Practice notes

Mortgage and home finance conduct of business—responsible lending, charges and arrears requirements

Mortgage and home finance conduct of business—responsible lending, charges and arrears requirementsBREXIT: 11pm (GMT) on 31 December 2020 (‘IP...
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15th May
Practice notes

Mortgage Market Review—background and implementation

Mortgage Market Review—background and implementationBREXIT: 11pm (GMT) on 31 December 2020 (‘IP completion day’) marked the end of the Brexit...
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15th May
Practice notes

Mortgage Market Review—key changes

Mortgage Market Review—key changesBREXIT: 11pm (GMT) on 31 December 2020 (‘IP completion day’) marked the end of the Brexit transition/implementation...
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15th May
Practice notes

Advising on mortgages and home finance transactions

Advising on mortgages and home finance transactionsBackground to the regulation of home finance transactionsThe regulation of home finance...
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15th May
Practice notes

Regulated mortgage contracts and home finance transactions defined

Regulated mortgage contracts and home finance transactions definedBackground to the regulation of home finance transactionsThe regulation of home...
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15th May
Practice notes

Entering into and administering home finance transactions

Entering into and administering home finance transactionsBackground to the regulation of home finance transactionsThe regulation of home finance...
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15th May
Practice notes

Mortgage Credit Directive (MCD)—essentials

Mortgage Credit Directive (MCD)—essentialsBREXIT: 11pm (GMT) on 31 December 2020 (‘IP completion day’) marked the end of the Brexit...
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15th May
Practice notes

Impact of Brexit: mortgage credit—quick guide

Impact of Brexit: mortgage credit—quick guideThis mortgage credit quick guide details current UK legislation and retained EU legislation in relation...
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15th May
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Practice notes

Taking security over land

Taking security over landCoronavirus (COVID-19): Transaction planning will need to take into account the impact of coronavirus (COVID-19) on execution...
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15th May
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Q&As

Where a Consumer Credit Agreement loan has been made before 2010 and secured on land, and the lender seeks to vary the agreement but uses a non-compliant modifying agreement, is the loan unenforceable or unenforceable without a court order?

Where a Consumer Credit Agreement loan has been made before 2010 and secured on land, and the lender seeks to vary the agreement but uses a...
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13th May
Q&As

My client is purchasing a target company via a newco. The newco commercial premises will be leased jointly in the personal name of my client and the newco. The lender's will take a legal charge over the premises and a separate legal charge over the residential home of my client. Will this transaction fall within the consumer credit regime?

Consumer Credit RegimeUnder section 19 of the Financial Services and Markets Act 2000 (FSMA 2000) a person cannot carry out a regulated activity, or...
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8th Apr

Popular documents

Written basis of plea and Newton hearings

Written basis of plea and Newton hearings

When defendants are guilty, they have a choice to plead guilty or to put the prosecution to proof. When they plead guilty they may benefit from a reduction in their sentence as a result, see Practice Note: Credit for guilty plea. However, the Sentencing Council's overarching guidelines on reduction

Forfeiture of a lease

Forfeiture of a lease

Coronavirus (COVID-19): During the current pandemic, legislation and changes to practice and procedure in the courts and tribunals have been introduced, which affect the following:•proceedings for possession•forfeiture of business leases on the grounds of non-payment of rent•a landlord's right to

Constructive trusts

Constructive trusts

Millett LJ subdivided types of constructive trust into two categories, distinguishing between:•the constructive trust proper, where equity intervenes to prevent the legal owner from unconscionably denying the beneficial interest of another (known as the institutional constructive trust)•the

The Single Rulebook

The Single Rulebook

Background to the Single RulebookHistorically, the European Commission (Commission) favours using Directives (rather than Regulations) to set out its legislation in respect of the financial services sector. However, Directives, allowing Member States greater flexibility in how they implement