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Mortgage article 9:Regulation must be "clear, proportionate and cost-effective"

30 April 2002

The Council of Mortgage Lenders today called on the Treasury to ensure that its proposals for mortgage 
regulation are appropriate to the needs of consumers and do not burden the industry and its 11 million 
customers with unnecessary costs.

In its response to the Treasury consultation document Regulating Mortgages, the CML welcomed the 
commitment of the Government and its proposed regulator, the Financial Services Authority, to take 
a proportionate and cost-effective approach to regulation. The CML believes that the FSA regime 
should build on the good work already done by the Mortgage Code Compliance Board to introduce an 
effective registration system for intermediary firms, and a cost-effective and proportionate approach 
to regulating mortgage advice. In particular, the CML argues that there should be no need to authorise 
introducers and business-to-business firms providing administrative services to lenders.

The CML's response also notes: Next page



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