News & Analysis as of August 16, 2025

Mortgage Lenders

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The term "mortgage" typically refers to a mortgage loan. A mortgage loan is a financing instrument where an individual or business borrows money to purchase property (usually real property) and... more +

FCA publishes final rules on simplifying mortgage lending rules under the MRR

A&O Shearman on 8/7/2025

The UK Financial Conduct Authority (FCA) has published final policy statement PS25/11, accompanied by a press release, finalising the first set of reforms under the Mortgage Rule Review (MRR). These changes aim to simplify...more

RMBS Securitisation – FAQS: What You Need to Know About the FCA Consultation on New Rules for UK Mortgages

Mayer Brown on 5/14/2025

The FCA issued a consultation paper on 7 May 2025 seeking feedback on regulatory proposals to simplify advice rules and affordability assessments for mortgages, making it easier, faster and cheaper for consumers to make...more

UK Mortgage Rule Review: FCA consults on 'first steps' aimed at simplifying rules and increasing flexibility

Hogan Lovells on 5/14/2025

Following a March 2025 press release and letter to the Economic Secretary to the Treasury announcing plans to improve access to mortgages to support the government’s economic growth mission, the FCA has published a ‘first...more

UK FCA consultation on loan to income flow limit in mortgage lending

A&O Shearman on 4/15/2025

The UK Financial Conduct Authority (FCA) has published a consultation on proposed amendments to the Prudential Regulation Authority's (PRA) rulebook and FCA guidance on the de minimis threshold for the loan to income flow...more

UK FCA call for evidence on interest rate 'stress test' rule for mortgage lenders

A&O Shearman on 3/27/2025

The UK's Financial Conduct Authority (FCA) has updated its webpage on the interest rate 'stress test' rule for mortgage lenders, and issued a call for evidence on the impact of the FCA handbook rule on considering the effect...more

Financial resilience – consumer finance firms: UK FCA finds risk governance / management shortcomings

Hogan Lovells on 10/25/2024

In the second half of 2023 and the first half of 2024, the Financial Conduct Authority (FCA) carried out a review of a sample of consumer credit firms and non-bank mortgage lenders to assess their approach to financial...more

FCA measures to help consumers with mortgages: considerations for securitisation transactions

Hogan Lovells on 9/6/2023

Over the summer, the UK government announced that it had agreed a new Charter of support measures for mortgage holders with the FCA and the UK's principal mortgage lenders. Resultant changes to the FCA’s mortgages sourcebook...more

UK FCA consults on mortgage support guidance as cost of living starts to bite borrowers

Hogan Lovells on 12/8/2022

With interest rates rising and inflation and energy prices at record levels, the government, major mortgage lenders and the UK FCA have agreed a range of measures that firms can use to support their existing mortgage...more

Consumer finance regulatory news, August 2021

Hogan Lovells on 8/2/2021

FCA mortgage prisoners review: terms of reference The Financial Conduct Authority (FCA) has published the terms of reference for its mortgage prisoners review. Working closely with HM Treasury, and engaging with interested...more

UK Conduct Authority Consults on Guidance on COVID-19 Measures for Mortgage Lenders and Payments Firms

A&O Shearman on 6/8/2020

The U.K. Financial Conduct Authority has published two consultations on its draft guidance for firms on mortgages and safeguarding customers’ funds during the COVID-19 pandemic....more

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