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What measures should the FSA take to ensure sales standards in advised sales meet the needs of the market and appropriately protect consumers? What measures should the FSA take to ensure sales standards in advised sales meet the needs of the market and appropriately protect consumers? by	0 replies 571 views 0 likes	Anonymous 21 Oct 2009
Do you agree that we need to strengthen the selling standards for non-advised (information-only) sales to ensure consumers are only entering into contractswhich are both affordable and appropriate? Do you agree that we need to strengthen the selling standards for non-advised (information-only) sales to ensure consumers are only entering into contractswhich are both affordable and appropriate? by	0 replies 659 views 0 likes	Anonymous 21 Oct 2009
Do you think that the FSA should limit the amount of equity a consumer can withdraw from their home? Do you think that the FSA should limit the amount of equity a consumer can withdraw from their home? by	0 replies 717 views 0 likes	Anonymous 21 Oct 2009
Are there any additional policy levers we should use to curtail income inflation and related mortgage fraud? Are there any additional policy levers we should use to curtail income inflation and related mortgage fraud? by	0 replies 581 views 0 likes	Anonymous 21 Oct 2009
Is the increased focus on affordability the right way to ensure sustainability of lending and consumer protection? Is the increased focus on affordability the right way to ensure sustainability of lending and consumer protection? by	0 replies 565 views 0 likes	Anonymous 21 Oct 2009
Do you agree with our proposal to require lenders to assess affordability based on; (i) the borrowers free disposable income; (ii) a consumers borrowing capacity; (iii) the plausibility of the information obtained; and (iv) a capital repayment basis? Do you agree with our proposal to require lenders to assess affordability based on; (i) the borrowers free disposable income; (ii) a consumers borrowing capacity; (iii) the plausibility of the information obtained; and (iv) a capital repayment basis? by	0 replies 695 views 0 likes	Anonymous 21 Oct 2009
Do you agree with our proposal to require lenders to take ultimate responsibility for affordability? Do you agree with our proposal to require lenders to take ultimate responsibility for affordability? by	0 replies 455 views 0 likes	Anonymous 21 Oct 2009
Do you consider that requiring verification of income by the lender for all mortgage applications is a viable option, and one which is sufficient to ensure responsible and sustainable levels of mortgage lending? Do you consider that requiring verification of income by the lender for all mortgage applications is a viable option, and one which is sufficient to ensure responsible and sustainable levels of mortgage lending? by	0 replies 611 views 0 likes	Anonymous 21 Oct 2009
Are there any other considerations that are relevant to the issue of how prudential requirements influence mortgage market outcomes? Are there any other considerations that are relevant to the issue of how prudential requirements influence mortgage market outcomes? by	0 replies 543 views 0 likes	Anonymous 21 Oct 2009
Do you agree that more direct intervention through business model analysis; applying asset limits; or increased prudential requirements is required to deal with the consumer and systemic risks posed by non-deposit taking lenders? Do you agree that more direct intervention through business model analysis; applying asset limits; or increased prudential requirements is required to deal with the consumer and systemic risks posed by non-deposit taking lenders? by	0 replies 433 views 0 likes	Anonymous 21 Oct 2009
Do you agree with our analysis of the implications of applying higher capital requirements to high-risk loans (on top of the prudential reforms) and that to do so would not be likely to protect borrowers from the risks of taking on such loans? Do you agree with our analysis of the implications of applying higher capital requirements to high-risk loans (on top of the prudential reforms) and that to do so would not be likely to protect borrowers from the risks of taking on such loans? by	0 replies 629 views 0 likes	Anonymous 21 Oct 2009
Do you agree that the prudential reforms will ensure that banks and building societies are adequately capitalised for the risks inherent in mortgage lending and should support a more stable mortgage market through the economic cycle? Do you agree that the prudential reforms will ensure that banks and building societies are adequately capitalised for the risks inherent in mortgage lending and should support a more stable mortgage market through the economic cycle? by	0 replies 544 views 0 likes	Anonymous 21 Oct 2009
COMPLIANCE BOD PLEASE READ THIS... COMPLIANCE BOD PLEASE READ THIS... by	17 replies 798 views 0 likes	Anonymous 11 Sep 2009
CML funding explanation CML funding explanation by	6 replies 551 views 0 likes	Anonymous 21 Aug 2009
AMI Plans Mortgage Working Party? AMI Plans Mortgage Working Party? by	20 replies 625 views 0 likes	Anonymous 18 Aug 2009
AMI AMI by	24 replies 816 views 0 likes	Anonymous 9 Jul 2009
Cherryfind Cherryfind by	0 replies 348 views 0 likes	Anonymous 28 May 2009
AFB AFB by	1 replies 385 views 0 likes	Anonymous 28 May 2009
AIFA AIFA by	0 replies 511 views 0 likes	Anonymous 27 May 2009
The Rich Bailing Out the Not So Rich The Rich Bailing Out the Not So Rich by	4 replies 615 views 0 likes	Anonymous 26 May 2009
New Build Valuations New Build Valuations by	8 replies 789 views 0 likes	Anonymous 4 Apr 2009
April Fools Day Message from the BBA April Fools Day Message from the BBA by	0 replies 1,406 views 0 likes	Anonymous 2 Apr 2009
Trade Bodies disappearing Trade Bodies disappearing by	1 replies 1,183 views 0 likes	Anonymous 26 Mar 2009
The FOS to Name and Shame.... The FOS to Name and Shame.... by Anonymous	5 replies 1,292 views 0 likes	Anonymous 25 Mar 2009
FSA to cap mortgage borrowing to 3x salary FSA to cap mortgage borrowing to 3x salary by	77 replies 3,201 views 0 likes	Anonymous 19 Mar 2009
Chase de Vere close up shop Chase de Vere close up shop by	5 replies 1,325 views 0 likes	Anonymous 11 Mar 2009
Treasury Select Committee Treasury Select Committee by	26 replies 1,902 views 0 likes	Anonymous 2 Mar 2009
A fond Farewell- this forum Closes- for now A fond Farewell- this forum Closes- for now by	1 replies 497 views 0 likes	Anonymous 2 Mar 2009
Appalling! Appalling! by	13 replies 1,166 views 0 likes	Anonymous 27 Feb 2009
Statement Statement by	0 replies 247 views 0 likes	Anonymous 10 Feb 2009
Income Stream from Surveys Income Stream from Surveys by	8 replies 521 views 0 likes	Anonymous 4 Feb 2009
Northern Rock staff get 10% bonus Northern Rock staff get 10% bonus by	41 replies 1,812 views 0 likes	Anonymous 2 Feb 2009
Valuers - A Case for Professional Negligence Valuers - A Case for Professional Negligence by	5 replies 567 views 0 likes	Anonymous 28 Jan 2009
Over estimates by customer- the Worst Areas Over estimates by customer- the Worst Areas by	0 replies 518 views 0 likes	Anonymous 28 Jan 2009
What Approach do valuers take to calculating Value? What Approach do valuers take to calculating Value? by	26 replies 724 views 0 likes	Anonymous 28 Jan 2009
Martin Lewis has a "covert" dig at Cherry Martin Lewis has a "covert" dig at Cherry by Anonymous	12 replies 2,405 views 0 likes	Anonymous 24 Jan 2009
Lenders have removed the power from packagers to instruct valuations- is this a good thing? Lenders have removed the power from packagers to instruct valuations- is this a good thing? by	6 replies 521 views 0 likes	Anonymous 22 Jan 2009
What is the real drop in House Prices?/How low can it go?! What is the real drop in House Prices?/How low can it go?! by	16 replies 586 views 0 likes	Anonymous 22 Jan 2009
Private Surveys- A TCF issue Private Surveys- A TCF issue by	2 replies 440 views 0 likes	Anonymous 21 Jan 2009
Cherryfind Cherryfind by	0 replies 647 views 0 likes	Anonymous 12 Jan 2009