Mortgage and home finance regulation

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Practice notes

Regulatory capital—purpose, quantity and quality

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Produced in partnership with Morrison & Foerster LLP 12th Jan

Practice notes

Public censure by the FCA

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Practice notes

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Practice notes

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Practice notes

Basel Accord

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Produced in partnership with Morrison & Foerster LLP 12th Jan

Practice notes

Consumer protection—FCA and other regulatory requirements

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Practice notes

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

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Practice notes

UCITS VI

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Produced in partnership with Andrew Henderson Partner, Eversheds Sutherland LLP 12th Jan

Practice notes

Entering into a consumer hire agreement as owner

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Practice notes

Authorised unit trust authorisation and winding-up

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Practice notes

Debt sale and purchase agreements

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In-house

Practice notes

Second Wire Transfer Regulation (WTR2)—essentials

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Practice notes

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...

9th Nov

Most recent Mortgage and home finance regulation content

Practice notes

Taking security over land

Coronavirus (COVID-19): Transaction planning will need to take into account the impact of coronavirus (COVID-19) on execution of documents and company...

21st Jan

In-house

Practice notes

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

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17th Jan

Practice notes

EEA passporting rights under the Mortgage Credit Directive

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Produced in partnership with Rachpal Thind, Partner and Rachel O’Brien, Associate of Sidley Austin LLP 17th Jan

Practice notes

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

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Produced in partnership with Rachpal Thind, Partner and Rachel O’Brien, Associate of Sidley Austin LLP 17th Jan

Practice notes

Impact of Brexit: mortgage credit—quick guide

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17th Jan

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Practice notes

Advising on mortgages and home finance transactions

Background to the regulation of home finance transactionsThe regulation of home finance transactions came about at different points in time. HM...

17th Jan

Practice notes

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

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17th Jan

Practice notes

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

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17th Jan

Practice notes

UK transposition of the Mortgage Credit Directive—roadmap

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17th Jan

Practice notes

Regulated mortgage contracts and home finance transactions defined

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17th Jan

Practice notes

Second charge mortgage regime

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Produced in partnership with Pinsent Masons 17th Jan

Practice notes

Mortgage Market Review—key changes

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Practice notes

Entering into and administering home finance transactions

Background to the regulation of home finance transactionsThe regulation of home finance transactions came about at different points in time. HM...

17th Jan

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...

12th Jan

Practice notes

Mortgage Credit Directive (MCD)—essentials

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12th Jan

Practice notes

Mortgage Market Review—background and implementation

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12th Jan

Q&As

If a Consumer Credit Act 1974 (CCA 1974) secured loan is modified post 31 October 2004, will it become a regulated mortgage contract? Will the original CCA 1974 agreement be of any effect?

The changes to the consumer credit frameworkThe position with secured lending has been significantly complicated by the UK’s implementation of...

Produced in partnership with Russell Kelsall LLB (Hull); LPC (Shef) of TLT 8th Jan

Q&As

Does the Consumer Credit Act 1974 (CCA 1974) require notice of an interest rate change on a loan agreement secured on land to be given a certain number of days before the rate takes effect? If not, has it ever done so? Did the CCA 1974 previously require a certain number of days notice to be given or has this requirement been removed for agreements which pre-date its removal?

The EU Consumer Credit DirectiveDirective 2008/48/EC on credit agreements for consumers (Consumer Credit Directive) was implemented into UK law on 1...

Produced in partnership with Russell Kelsall LLB (Hull); LPC (Shef) of TLT 8th Jan

Q&As

Where a creditor has the right to change the interest rate on a CCA regulated mortgage/secured personal loan, do they have to notify each party to the loan separately or can a joint letter be sent?

The issue is one which remains open to interpretation since the relevant provisions have only ever been considered once by the County Court and, even...

Produced in partnership with Thomas Samuels of Gough Square Chambers 8th Jan

Q&As

Following the implementations of the Mortgage Credit Directive on 21 March 2016, and given that existing Consumer Credit Act 1974 (CCA 1974) regulated mortgages are now regulated by the Mortgage Code of Business Regulations and not the Consumer Credit Sourcebook; are borrowers still able to request a time order under CCA 1974, ss 129 and 135?

What happened on 21 March 2016?Before 21 March 2016, a credit agreement that was secured on land by a second or later charge could not be a regulated...

Produced in partnership with Russell Kelsall LLB (Hull); LPC (Shef) of TLT 8th Jan

Mortgage and home finance regulation

View Financial Services by content type:

Latest Financial Services News

What does IP completion day mean for the status of EU law in the UK?

Relevant relationship agreement law—a guide for the perplexed

EU-UK Trade and Cooperation Agreement on track for ratification by February 2021 deadline, EU diplomat says

EU-UK post-Brexit trade deal approval process gets kick-start from EU governments

Featured Financial Services content

The Money Laundering Reporting Officer (MLRO)—duties

What is electronic money?

Insurance conduct regulation—COBS and ICOBS

The Single Rulebook

Most recent Mortgage and home finance regulation content

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