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.
Credit unions are relevant to a broad range of policy areas as you can see from this selection of consultation responses from the past year.
Our responses to the following consultations are available to view here.
Financial Conduct Authority - High-level proposals for an FCA regime for consumer credit
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 12/35 – 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 12/26 – 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
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
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
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
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
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
