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Found 10 items

Intergenerational Differences

Open

Organisation:
  • Financial Conduct Authority
Policy areas:
  • Insurance
  • Intergenerational Fairness
  • Mortgages
  • Pensions
  • Lending

Open for consultation until 1 August 2019

Seeking to understand the changing financial needs across generations for the UK financial services markets. The FCA looks into how the socio-economic changes are impacting the market and the implications this will have on the market going forward.

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CP7/19 Solvency II: Equity release mortgages - Part 2

Closed

Organisation:
  • Prudential Regulation Authority
Policy areas:
  • Insurance
  • Investment

Consultation period closed on 3 July 2019

This consultation proposes amendments to its expectations of firms investing in equity release mortgage portfolios.

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Mortgage Customers: Proposed changes to responsible lending rules and guidance

Closed

Organisation:
  • Financial Conduct Authority
Policy areas:
  • Affordability
  • Advice
  • Mortgages

Consultation period closed on 26 June 2019

The Mortgage Market Study found that some consumers are unable to switch products due to changes in affordability criteria post financial crash. This CP seeks to reduce barriers to switching and proposing amending the responsible lending rules so that lenders can choose to undertake modified affordability assessments in certain circumstances.

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FCA & PRA Changes to Mortgage Reporting Requirements

Closed

Organisations:
  • Prudential Regulation Authority
  • Financial Conduct Authority
Policy areas:
  • Regulation
  • Mortgages
  • Reporting

Consultation period closed on 28 February 2019

The FCA and PRA have identified several areas where they believe further data is needed from firms. This consultation seeks to plug those gaps by setting out proposals to increase the data which mortgage lenders and administrators are required to submit via Product Sales Data (PSD) and Mortgage Lending and Administration Return (MLAR).

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CP19/5: Retirement Outcomes Review: investment pathways and other proposed changes to our rules and guidance

Closed

Organisation:
  • Financial Conduct Authority
Policy areas:
  • Retirement planning
  • Vulnerability
  • Investment

Consultation period closed on 5 April 2019

This consultation sets out the proposed package of remedies from the Retirement Outcomes Review. This consultation seeks to ensure that investment in cash is an active decision and seeks to make changes to the information provided to consumers.

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