News & Analysis as of August 10, 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 +

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

PRA to review Loan to Income flow limit rule and offers interim modification by consent

A&O Shearman on 7/22/2025

The Prudential Regulation Authority (PRA) has announced it will be reviewing the Loan to Income (LTI) flow limit requirements, following the Financial Policy Committee's (FPC) recommendation, as stated in its July financial...more

UK regulators publish joint final policy on Loan to Income flow limit in mortgage lending

A&O Shearman on 7/21/2025

The UK Prudential Regulation Authority (PRA) and the UK Financial Conduct Authority (FCA) have published joint final policy statement 11/25, finalising amendments to the PRA Rulebook and FCA Guidance (FG25/4) on the de...more

EBA issues opinion on Norway's measure of risk weight floor increase

A&O Shearman on 6/3/2025

The European Banking Authority (EBA) has issued an opinion (dated 12 May) in response to a notification from the Norwegian Ministry of Finance, regarding its intention to recalibrate the risk weight floor for Norwegian retail...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

Corporate Insurance Newsletter – July 2018

Hogan Lovells on 8/16/2018

The Hogan Lovells’ Corporate Insurance Newsletter for July has been published. This provides a round-up of UK, EU and international regulatory developments relevant to UK based insurance market participants. ...more

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