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Q3 Q3 by	1 replies 402 views 0 likes	Anonymous 1 Jan 2010
Q2 Q2 by	2 replies 408 views 0 likes	Anonymous 1 Jan 2010
Q1 Q1 by	2 replies 396 views 0 likes	Anonymous 19 Dec 2009
2.18 2.18 by	1 replies 652 views 0 likes	Anonymous 19 Dec 2009
1.46 1.46 by	1 replies 608 views 0 likes	Anonymous 19 Dec 2009
1.45 1.45 by	1 replies 557 views 0 likes	Anonymous 19 Dec 2009
1.41 1.41 by	1 replies 624 views 0 likes	Anonymous 19 Dec 2009
1.21 1.21 by	1 replies 609 views 0 likes	Anonymous 19 Dec 2009
1.15 1.15 by	1 replies 732 views 0 likes	Anonymous 19 Dec 2009
Q16 Q16 by	6 replies 670 views 0 likes	Anonymous 18 Dec 2009
10.20 and 10.21: 10.20 and 10.21: by	0 replies 443 views 0 likes	Anonymous 18 Dec 2009
Do you consider that the FSA should prohibit the sale of mortgages to borrowers with multiple high-risk characteristics? If yes, what particular combinations of risk factors should the FSA consider prohibiting and why? Do you consider that the FSA should prohibit the sale of mortgages to borrowers with multiple high-risk characteristics? If yes, what particular combinations of risk factors should the FSA consider prohibiting and why? by	10 replies 712 views 0 likes	Anonymous 18 Dec 2009
What would be the impact of consumers not being allowed to roll up intermediary fees and product charges into the mortgage loan? What would be the impact of consumers not being allowed to roll up intermediary fees and product charges into the mortgage loan? by	12 replies 792 views 0 likes	Anonymous 17 Dec 2009
What are the potential compliance costs if the FSA collected better data on fees and charges directly from lenders on an ongoing basis as part of regulatory reporting? What are the potential compliance costs if the FSA collected better data on fees and charges directly from lenders on an ongoing basis as part of regulatory reporting? by	3 replies 461 views 0 likes	Anonymous 17 Dec 2009
Do you agree with our analysis that, on the grounds of consumer protection, there is no case for prohibiting the sale of loans above certain LTV, LTI or DTI thresholds? Do you agree with our analysis that, on the grounds of consumer protection, there is no case for prohibiting the sale of loans above certain LTV, LTI or DTI thresholds? by	3 replies 571 views 0 likes	Anonymous 17 Dec 2009
FSA MMR Roadshows FSA MMR Roadshows by	26 replies 853 views 0 likes	Anonymous 15 Dec 2009
Do you consider that the mortgage market fees and charges reflect the underlying costs or are consumers paying excessive charges? Do you consider that the mortgage market fees and charges reflect the underlying costs or are consumers paying excessive charges? by	6 replies 727 views 0 likes	Anonymous 4 Nov 2009
Do you feel that the FSA should be both regulator and innovator? Do you feel that the FSA should be both regulator and innovator? by	3 replies 526 views 0 likes	Anonymous 3 Nov 2009
Do you agree that the cumulative effect of the policy levers as outlined within our DP will have a positive effect on; (i) the equity release market; and/or (ii) the right to buy market. Do you agree that the cumulative effect of the policy levers as outlined within our DP will have a positive effect on; (i) the equity release market; and/or (ii) the right to buy market. by	0 replies 474 views 0 likes	Anonymous 21 Oct 2009
Are there any additional measures that you feel the FSA could take to reduce the risk of financial crime? Are there any additional measures that you feel the FSA could take to reduce the risk of financial crime? by	0 replies 737 views 0 likes	Anonymous 21 Oct 2009
Do you agree the FSA should standardise some existing industry definitions such as subprime? And if yes, are there any existing definition issues other than subprime? Do you agree the FSA should standardise some existing industry definitions such as subprime? And if yes, are there any existing definition issues other than subprime? by	0 replies 533 views 0 likes	Anonymous 21 Oct 2009
Do you agree that the FSA should collect data to enable us to track arrears and repossessions cases back to the original product transaction on a permanent basis? What would be the costs imposed on the market? Do you agree that the FSA should collect data to enable us to track arrears and repossessions cases back to the original product transaction on a permanent basis? What would be the costs imposed on the market? by	0 replies 671 views 0 likes	Anonymous 21 Oct 2009
Do you have any comments on our proposals to strengthen our approach to firms’ arrears management practices? Do you have any comments on our proposals to strengthen our approach to firms’ arrears management practices? by	0 replies 453 views 0 likes	Anonymous 21 Oct 2009
Do you have any comments on the financial capability initiatives designed to support the overall mortgage market reform? Do you have any comments on the financial capability initiatives designed to support the overall mortgage market reform? by	0 replies 657 views 0 likes	Anonymous 21 Oct 2009
Do you agree that the FSA has a role in preventing the extension of credit to individuals who are unable to afford such high levels of debt? Do you agree that the FSA has a role in preventing the extension of credit to individuals who are unable to afford such high levels of debt? by	0 replies 501 views 0 likes	Anonymous 21 Oct 2009
Do you agree that the limitations on the rationality of consumer behaviour in the mortgage market support the case for greater regulatory intrusion? Do you agree that the limitations on the rationality of consumer behaviour in the mortgage market support the case for greater regulatory intrusion? by	0 replies 594 views 0 likes	Anonymous 21 Oct 2009
Do you agree with the proposals to; (i) remove the requirement for the IDD and replace with disclosure of key messages; (ii) retain use of the KFI; and (iii) require elements of disclosure to be carried out on an oral basis? Do you agree with the proposals to; (i) remove the requirement for the IDD and replace with disclosure of key messages; (ii) retain use of the KFI; and (iii) require elements of disclosure to be carried out on an oral basis? by	0 replies 838 views 0 likes	Anonymous 21 Oct 2009
Do you agree that simplified scope of service labelling, limited to ‘independent’ or ‘restricted advice’ and also describing a non-advised service as ‘information-only’, will result in better consumer understanding of the services on offer? Do you agree that simplified scope of service labelling, limited to ‘independent’ or ‘restricted advice’ and also describing a non-advised service as ‘information-only’, will result in better consumer understanding of the services on offer? by	0 replies 550 views 0 likes	Anonymous 21 Oct 2009
To what extent should the proposals for a PSB as outlined in the RDR be extended to the mortgage market? To what extent should the proposals for a PSB as outlined in the RDR be extended to the mortgage market? by	0 replies 574 views 0 likes	Anonymous 21 Oct 2009
Are there any other considerations that are relevant to the assessment of the issues and risks posed by the current remuneration model within the mortgage market, which are not identified within the DP? Are there any other considerations that are relevant to the assessment of the issues and risks posed by the current remuneration model within the mortgage market, which are not identified within the DP? by	0 replies 640 views 0 likes	Anonymous 21 Oct 2009
Do you agree with our conclusion not to read across the adviser charging element of the RDR proposals into the mortgage market? Do you agree with our conclusion not to read across the adviser charging element of the RDR proposals into the mortgage market? by	0 replies 665 views 0 likes	Anonymous 21 Oct 2009
What are the implications of applying the Approved Person’s regime to all individual mortgage intermediaries? What are the implications of applying the Approved Person’s regime to all individual mortgage intermediaries? by	0 replies 679 views 0 likes	Anonymous 21 Oct 2009
Do you agree that suitability letters should be introduced as a compulsory standard? Do you agree that suitability letters should be introduced as a compulsory standard? by	0 replies 634 views 0 likes	Anonymous 21 Oct 2009
To what extent should intermediaries retain responsibility for assessing a consumer’s ability to repay? How could this work in practice? To what extent should intermediaries retain responsibility for assessing a consumer’s ability to repay? How could this work in practice? by	0 replies 576 views 0 likes	Anonymous 21 Oct 2009
What measures should the FSA take to ensure sales standards in advised sales meet the needs of the market and appropriately protect consumers? What measures should the FSA take to ensure sales standards in advised sales meet the needs of the market and appropriately protect consumers? by	0 replies 571 views 0 likes	Anonymous 21 Oct 2009
Do you agree that we need to strengthen the selling standards for non-advised (information-only) sales to ensure consumers are only entering into contractswhich are both affordable and appropriate? Do you agree that we need to strengthen the selling standards for non-advised (information-only) sales to ensure consumers are only entering into contractswhich are both affordable and appropriate? by	0 replies 659 views 0 likes	Anonymous 21 Oct 2009
Do you think that the FSA should limit the amount of equity a consumer can withdraw from their home? Do you think that the FSA should limit the amount of equity a consumer can withdraw from their home? by	0 replies 717 views 0 likes	Anonymous 21 Oct 2009
Are there any additional policy levers we should use to curtail income inflation and related mortgage fraud? Are there any additional policy levers we should use to curtail income inflation and related mortgage fraud? by	0 replies 581 views 0 likes	Anonymous 21 Oct 2009
Is the increased focus on affordability the right way to ensure sustainability of lending and consumer protection? Is the increased focus on affordability the right way to ensure sustainability of lending and consumer protection? by	0 replies 565 views 0 likes	Anonymous 21 Oct 2009
Do you agree with our proposal to require lenders to assess affordability based on; (i) the borrowers free disposable income; (ii) a consumers borrowing capacity; (iii) the plausibility of the information obtained; and (iv) a capital repayment basis? Do you agree with our proposal to require lenders to assess affordability based on; (i) the borrowers free disposable income; (ii) a consumers borrowing capacity; (iii) the plausibility of the information obtained; and (iv) a capital repayment basis? by	0 replies 695 views 0 likes	Anonymous 21 Oct 2009