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4.90 4.90 by	1 replies 345 views 0 likes	Anonymous 2 Jan 2010
4.88 4.88 by	1 replies 342 views 0 likes	Anonymous 2 Jan 2010
Q13 Q13 by	3 replies 326 views 0 likes	Anonymous 2 Jan 2010
Q12 Q12 by	2 replies 361 views 0 likes	Anonymous 2 Jan 2010
Q10 Q10 by	2 replies 414 views 0 likes	Anonymous 1 Jan 2010
Q11 Q11 by	1 replies 419 views 0 likes	Anonymous 1 Jan 2010
Q6 Q6 by	3 replies 376 views 0 likes	Anonymous 1 Jan 2010
Q5 Q5 by	1 replies 340 views 0 likes	Anonymous 1 Jan 2010
Exhibit 4.5??? Exhibit 4.5??? by	1 replies 410 views 0 likes	Anonymous 1 Jan 2010
Q4 Q4 by	1 replies 422 views 0 likes	Anonymous 1 Jan 2010
Q3 Q3 by	1 replies 403 views 0 likes	Anonymous 1 Jan 2010
Q2 Q2 by	2 replies 409 views 0 likes	Anonymous 1 Jan 2010
Q1 Q1 by	2 replies 397 views 0 likes	Anonymous 19 Dec 2009
2.18 2.18 by	1 replies 653 views 0 likes	Anonymous 19 Dec 2009
1.46 1.46 by	1 replies 609 views 0 likes	Anonymous 19 Dec 2009
1.45 1.45 by	1 replies 558 views 0 likes	Anonymous 19 Dec 2009
1.41 1.41 by	1 replies 625 views 0 likes	Anonymous 19 Dec 2009
1.21 1.21 by	1 replies 610 views 0 likes	Anonymous 19 Dec 2009
1.15 1.15 by	1 replies 733 views 0 likes	Anonymous 19 Dec 2009
Q16 Q16 by	6 replies 671 views 0 likes	Anonymous 18 Dec 2009
10.20 and 10.21: 10.20 and 10.21: by	0 replies 444 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 713 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 794 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 462 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 572 views 0 likes	Anonymous 17 Dec 2009
FSA MMR Roadshows FSA MMR Roadshows by	26 replies 856 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 728 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 527 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 475 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 738 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 534 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 672 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 454 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 658 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 502 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 595 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 839 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 551 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 575 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 641 views 0 likes	Anonymous 21 Oct 2009