Background to the regulation of home finance transactions The regulation of home finance transactions came about at different points in time. HM Treasury...
Background to the regulation of home finance transactions The regulation of home finance transactions came about at different points in time. On 31 October 2004 (a date...
This Practice Note sets out the passporting rights and related notification requirements of credit intermediaries established in the European Economic Area (EEA) which...
Background to the regulation of home finance transactions The regulation of home finance transactions came about at different points in time. HM Treasury announced its...
This year’s annual round-up reviews some of the most significant consumer finance developments of 2017 and previews what is on the horizon for 2018 relating to consumer...
Background to mortgage and home finance conduct requirements On 31 October 2004 (a date known as 'M Day'), the Financial Services Authority (FSA) became responsible for...
Introduction to the FCA's distribution and disclosure requirements This Practice Note considers the Financial Conduct Authority (FCA)'s Mortgages and Home Finance:...
Application of chapters 3A and 3B of the FCA's Mortgage Conduct of Business Sourcebook (MCOB 3A and MCOB 3B) This Practice Note provides an overview of the financial...
Application of MCOB 11, MCOB 11A, MCOB 12 and MCOB 13 This Practice Note provides an overview to the responsible lending and financing, charges and arrears and...
What is the background to the Mortgage Credit Directive and why did it come about? The Mortgage Credit Directive (Directive 2014/17/EU) (MCD) lays down a common framework...
Please note that the contents of this Practice Note reflect the amendments that were made to the Financial Conduct Authority’s (FCA) Mortgage Conduct of Business Rules...
Please note that the contents of this Practice Note reflect the amendments that were made to the Financial Conduct Authority’s (FCA) Mortgage Conduct of...
Background to the regulation of home finance transactions The regulation of home finance transactions came about at different points in time. HM Treasury announced its...
This Practice Note sets out the regulatory regime for consumer buy-to-let (CBTL) lending under the Mortgage Credit Directive Order 2015 (SI 2015/910) (MCD Order 2015),...
Second charge mortgages defined A regulated second charge mortgage is a loan secured on a borrower’s property that is used as, or in connection with a dwelling that is...
Land (or real property) is commonly offered as security for a loan. In this context, land has more relevance than some other assets because it can be used in personal...
Background to the UK transposition of the Mortgage Credit Directive The Mortgage Credit Directive 2014/17/EU (MCD) was implemented in the UK on 21 March 2016 and applies...