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Consultation Responses

As the principal trade association for credit unions in Britain and a key player in the development of inclusive financial services, ABCUL actively responds to many consultations and enquiries. Our responses to the following consultations are available to view here.

Law Commission – Anti-Money Laundering: The SARs Regime

FCA – Introducing the Directory

FCA & PRA – Building Operational Resilience Paper 

Scottish Parliament: Evidence to Economy, Jobs & Fair Work Committee on bank branch closures

Ministry of Justice: Consultation on County Court Judgments (England and Wales) - Feb 2018

FCA – Regulated Fees and Levies: Policy Proposals for 2018/19

HM Treasury: Breathing Space Call for Evidence

FCA – Extending Senior Managers and Certification Regime to all FCA firms

Accountant in Bankruptcy (Scotland): Consultation on adoption of Standard Financial Statement in Scotland

London Assembly Economy Committee - Financial Inclusion

FCA – Information about current account services

FCA – Regulated Fees and Levies 2017/18 – Credit union debt advice levies

Mayor of London's Good Work Standard - Call for Evidence

Accountant in Bankruptcy (Scotland) - Debt Arrangement Scheme Further Review (2017)

Insolvency Practitioners Assocation – Insolvency Code of Ethics

FCA - Implementation of the Financial Advice Market Review - Part 1 - Employer Fact Sheet

FCA - Implementation of the revised Payment Services Directive (PSD2)

FCA - Implementation of the Financial Advice Market Review - Part 1

FCA - Regulated Fees  & Levies 2017-18

PRA - Regulated Fees & Levies 2017-18

FCA - Reviewing the funding of the FSCS

Implementation of PSD ll

FCA - Our Future Mission

Scottish Government Accountant in Bankruptcy Diligence Review

Scottish Government Social Security Review

PRA - Occasional Consultation Paper

FCA - Guidance On The Duty Of Responsibility

FCA - Conduct Rules To NEDs

PRA - SMR Amendments & Optimisations

FRC - Triennial Review Of UK & Ireland Accounting Standards

BEIS - 2016 Post Office Network Consultation

FSCS – Depositor Protection Increase to £85,000

HMT – Transposition of 4MLD

Bank of England – Real-Time Gross Settlement Review

Scottish Government Non Domestic Rate Review

House of Lords Financial Exclusion Select Committee – Call for Evidence

PRA – Credit Union Regulatory Reporting

FCA – Restrictions on the sale and promotion of deferred shares and subordinated debt 

HMT – Implementation of the Help to Save

HMT – Public Financial Guidance review

PRA – Introduction of Risk-based levies to the FSCS deposit Class

FCA – Regulated Fees & Levies – Rates Proposals 2016-17

PRA – Regulated Fees & Levies – Rates Proposals 2016-17

FCA – Call for Input – Retained Provisions of Consumer Credit Act Review

HM Treasury – Draft Innovation Plan for Financial Services

Payment Systems Regulator – Indirect Access Market Review – Interim Report

Department of Business, Innovation and Skills – Terms & Conditions and Consumer Protection Fining Powers

Scottish Government: Accountant in Bankruptcy Protected Trust Deed Review

FCA - CP 15-6 - Proposed guidance for firms outsourcing to the ‘cloud’ and other third-party IT services

APPG for Financial Education for Young People - Call for Evidence

Welsh Government - Refreshing the Financial Inclusion Strategy

FCA & HMT - Financial Advice Market Review

HMT - Public Financial Guidance

FCA & PRA - Senior Managers Regime - Regulatory References

PRA - Reform of the Legacy Credit Unions Sourcebook

FCA - Senior Managers Regime - Presumption of Responsibility

PRA - Disciplinary Powers over External Auditors and Actuaries

PRA & FCA - Whistleblowing in deposit-takers

PRA - CP 10/15 - Fees and Levies Rates 2015-16

FCA - CP 15/14 - Fees and Levies Rates 2015-16

PRA - CP 15/15 - Depositor and Dormant Account Protection

PRA - CP 7/15 - Senior Managers Regime - Approach to non-executive directors

FCA - CP 15/5 - Senior Managers Regime - Approach to non-executive directors

FCA - CP 14/30 - Improving Complaints Handling

FCA - CP 14/31 - Senior Managers Regime - forms, consequential and transitional aspects

PRA - CP 28/14 - Senior Mangers Regime - forms, consequential and transitional aspects

PRA - CP 4/15 - Depositor, dormant account and policy protection - ammendments

FCA - Regulatory Fees and Levies Consultation 2015/16

Payment Systems Regulator - PSR Consultation

PRA - Depositor Protection

Financial Conduct Authority - Implementaion of the Mortgage Credit Directive

FCA - Strengthening Accountibility in Banking October 2014

PRA - Strenthening Accountibility in Banking October 2014

London Assembly: Investigation into Personal Problem Debt

HM Treasury - Review of Money Advice Service

Financial Conduct Authority - Proposals for a price cap on high-cost short-term credit

HM Treasury - Credit unions at 50: a call for evidence

Bank of England - Should the availability of credit data in the UK be improved?

HMRC - Direct Recovery of Debts

Bank of England Securitisation Discussion Paper

Consumer and Markets Authority Payday Lending Market Investigation

Prudential Regulation Authority - CP 8/14 - Regulated fees and levies: rates proposals 2014/15

Financial Conduct Authority - CP 14/6 - Regulated fees and levies: rates proposals 2014/15

Financial Conduct Authority - Payment systems regulation

HM Treasury - Cheque Imaging

Prudential Regulation Authority - CP 2/14 - The PRA Rulebook

Financial Conduct Authority - CP 13/14 – Regulatory fees & levies: policy proposals 2014/15

Financial Conduct Authority - CP 13/10 - Detailed proposals for FCA regulation of consumer credit

HM Treasury - Industrial & Provident Societies: Growth through Co-operation

HM Treasury - Consultation on Social Investment Tax Relief

HM Treasury - Consultation on allowing the transfer for Child Trust Fund accounts into Junior ISAs

HM Treasury - Opening up UK Payments

Financial Conduct Authority - Publishing information about enforcement warning notices

Scottish Parliament: Economy, Energy & Tourism Committee - Debt Arrangement Scheme (Scotland) Regulations 2013

FCA & PRA - Regulated fees and levies: rates proposals 2013/14

Financial Conduct Authority - High-level proposals for an FCA regime for consumer credit

HM Treasury & Department for Business, Innovation & Skills - Transferring consumer credit regulation to the Financial Conduct Authority

Welsh Government - Welsh Co-operatives & Mutuals Commission

HM Treasury - Consultation on Payroll Giving

Department for Education - Reform of the National Curriculum in England

HM Treasury - Credit union maximum interest rate cap

HMRC - FATCA implemtentation regulations

FSA & Bank of England - CP 12/38 - PRA approach to enforcement

FSA - CP 13/3 - Regulatory reform: transitional provisions

FSA - CP 13/2 - Regulatory fees & levies: Money Advice Service cost allocation

FSA - CP 13/1 - FSCS funding model review

FSA - CP 12/37 – The Financial Services Bill: implementing markets powers, decision making procedures

FSA - CP 12/35 – The FCA’s use of temporary product intervention rules

FSA - CP 12/34 - Regulatory Reform: FCA Handbook updates

FSA - CP 12/28 - Regulatory fees & levies: policy proposals 2013/14

HM Treasury - A new approach to financial regulation: draft secondary legislation

FSA - CP 12/24 – Regulatory Reform: PRA and FCA regimes relating to aspects of authorisation and supervision

FSA - CP 12/26 – Regulatory Reform: the PRA and FCA regimes for Approved Persons

HMRC - Implementing the UK-US FATCA Agreement

FSA - FSCS Funding Model Review

HM Treasury - Setting the Strategy for UK payments

Ministry of Justice - Claims Management Regulation – Proposals for amendments to the Conduct of Authorised Persons Rules

Scottish Parliament Welfare Reform Committee - UK Welfare Reforms

Scottish Government - Bankruptcy Law Reform

OFT - Pay day lending compliance review

FSA - Maximum shareholding and joint account regulation

Accounting Standards Board - The Future of Financial Reporting - revised exposure drafts

FSA - Regulated fees & levies: rates proposals 2012/13

Welsh Government - Consultation on options to replace the Social Fund Community Care Grants and Crisis Loans for Living Expenses

FSA - Deposit protection: raising consumer awareness

Insolvency Service - Bank Accounts for Bankrupts

Scottish Government - Protected Trust Deeds: Improving the Process 

Insolvency Service - Reform of the Process to Apply for Bankruptcy and Compulsory Winding Up

OFT - Annual Plan 2012-13

BIS - Building a Mutual Post Office

House of Commons BIS Select Committee - Debt Mangement Inquiry

FSA & HM Treasury - FSA regulation of credit unions in Northern Ireland

HM Treasury - A New Approach to Financial Regualtion - White Paper and Draft Financial Services Bill

Office of Fair Trading - Draft Debt Management Guidance

Pre-Legislative Scrutiny Committee - Financial Services Bill

Office of Fair Trading - Draft Credit Brokerage Guidance

Government Equalities Office - Banning Age Discrimination

Department for Work and Pensions: Local Support to Replace Community Care Grants and Crisis Loans for Living Expenses

Accounting Standards Board – The Future of Financial Reporting

HM Treasury – A new approach to financial regulation  Building a stronger system

HM Treasury - Simpler Financial Products

HMT & BIS – reforming the consumer credit regime

ABCUL Response to Electronic Communications in the Mutual Sector

Supporting a Stronger Civil Society – An Office for Civil Society consultation on improving support for frontline civil society organisations

Children’s Savings Options for a Future Accounts – Issues Paper -Response to HM Treasury

Department of Business, Innovation and Skills (BIS) - Post Office Banking

Office of Fair Trading - High Cost Credit Review  

Accounting Standards Board – The Future of UK GAAP

Work and Pensions Committee - Local Housing Allowance

Office of Fair Trading - Barriers to Entry, Expansion and Exit from Retail Banking