Forging a sustainable future: The PRA and FCA’s blueprint for UK mutuals
The UK’s financial mutuals – building societies, credit unions, and mutual insurers – stand as…
Author Nick Baxter
Nick Baxter
Nick Baxter is a residential mortgage expert witness and iNED focusing on credit risk, consumer products/outcomes, governance, compliance and regulation.
Etridge revisited
The turn of the millennium marked a pivotal moment for the UK’s banking and legal…
Mortgage market consolidations- do consumers benefit?
Mortgage market consolidations are coming – but will consumers benefit? In the last 6 months…
Arrears fines – will Consumer Duty solve the issue?
Has anyone else noticed a change of tone coming out of the FCA these days? …
Will Basel 3.1 impact on the availability of niche lending products?
There has been a lot of recent trade press coverage in respect of Basel 3.1,…
How is the mortgage charter working for consumers?
Just over a year ago the Chancellor of the Exchequer announced, with much fanfare, a…
Will mortgage prisoners be saved by the FCA ‘closed book’ Consumer Duty rules?
We have heard about the plight of mortgage prisoners for well over a decade now. …
The unintended consequence of long term repayment loans
Anyone involved in the residential mortgage industry will not have missed the steady, and now…
FOS complaints see a worrying uptick
Only a week ago the Financial Ombudsman Service released its data for the quarter April…
Bank of England raise ‘credit risk’ concerns
David Bailey, BoE Executive Director for UK Deposit Takers Supervision and responsible for the supervision…