News & Analysis as of August 15, 2025

Prudential Regulation Authority (PRA)

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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 +

UK PRA publishes discussion paper on proposed reforms to IRB approach for residential mortgages

A&O Shearman on 8/13/2025

The UK Prudential Regulation Authority (PRA) has published discussion paper DP1/25 inviting views on potential reforms to the internal ratings based (IRB) approach to credit risk for residential mortgage exposures. The PRA...more

PRA policy statement confirming amendments to the large exposures framework

A&O Shearman on 8/4/2025

The UK Prudential Regulation Authority (PRA) has published a policy statement confirming amendments to the large exposures framework in respect of exposures arising from mortgage lending, exposures to the UK FSCS,...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

FCA Annual Work Programme 2025/26: A work plan reflecting the UK government’s pro-growth mission

Hogan Lovells on 4/14/2025

Motor finance, mortgage rule review work and Consumer Duty feature prominently in the work plans for this strategic priority. Firms should note that the FCA includes a warning in relation to the Duty that, where necessary, it...more

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Mortgages › Regulatory Reform › Prudential Regulation Authority (PRA)

UK PRA publishes discussion paper on proposed reforms to IRB approach for residential mortgages

PRA policy statement confirming amendments to the large exposures framework

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

FCA Annual Work Programme 2025/26: A work plan reflecting the UK government’s pro-growth mission

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