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Vol 21 No 10 Oct/Nov 2016

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Practitioner's Guide to Mortgage Regulation


ISBN13: 9781905121243
Previous Edition ISBN: 1898830843
Published: July 2007
Publisher: Sweet & Maxwell Ltd
Country of Publication: UK
Format: Paperback
Price: £139.00



Despatched in 5 to 7 days.

This was a follow up to A Practical Guide to the FSA's Regulation of Mortgages by the same author. from the foreword by the Rt. Hon. John Gummer MP:

Statutory mortgage regulation fundamentally reshaped the mortgage market back in October 2005. Yet, even so, regulation doesn’t stand still. Instead, sometimes by degrees sometimes by leaps and bounds, it continues to change the dynamics of the industry. Practitioners, busy serving their clients, often find the pace and the degree of change a serious concern. This book provides them with the essential tools to keep abreast of those changes and understand and prepare for what is to come.

The mortgage industry has always prided itself on being a low risk and low complaints business. This is the financial service where consumers are best engaged. The increase in the value of property; the willingness to tap into that equity; and the growth of public understanding of the mortgage market has increased intermediary business. That increase has proved that information and education are good prompts to help people discover that they benefit from professional advice. The consumer media – both in terms of articles helping educate consumers and best buy tables giving them comparative information - has meant that re-mortgaging activity has increased substantially and the market has developed dramatically.

It is a dynamic, entrepreneurial, and fast moving market - one of the most sophisticated and competitive in Europe. To date, regulation has not hindered its ability to serve its customers and we must work hard to ensure that this remains the case. Appropriate and proportionate regulation benefits both the firm and the consumer but regulators must realise when they cross the line and, instead of protecting consumer, begin to rob them of their right to choose and decide for themselves. Rewards only come with risks attached. We must learn again the meaning of caveat emptor. It is not a licence to mislead or to excuse low professional standards but it is a necessary part of a dynamic market place. It allows for innovation and enables risk taking. Absolute protection is absolutely certain to mean a mediocre return.

The market awaits the European Commission’s Mortgage White Paper with concern. It is important that we engage with the Commission to ensure they understand that the retail market is performing well and has the consumer properly in mind. Regulation is the last resort not the first option and the Commission would be better to focus its attentions elsewhere.

I am sure that this book will help all of us to have a better understanding of the challenges now faced by the market. There is no doubt that those who plan for change and seek ways to influence it will fare far better than those who simply wait and accept what comes. Practitioners have the opportunity to shape the market, not least through membership of the Association of Mortgage Intermediaries. It is important that all who rely on the industry for their livelihood play a bigger part than ever before in its development. This book will help all of us to make a difference.

Subjects:
Banking and Finance
Contents:
Contents
Foreword: AMI Chairman, the Rt. Hon. John Gummer MP
Foreword: Sir Callum McCarthy, Chairman, Financial Services Authority
Part One: A Brief Review of Regulation
Chapter 1: The Mortgage Code and the Road to Statutory Regulation, Brad Baker, Managing Director, Repucare Ltd.
Chapter 2: The Role of the Financial Services Authority in the Mortgage Market, Chris Cummings, Director General, & Vanessa Moore, AMI
Chapter 3: An Introduction to the Financial Ombudsman Service, Chris Cummings, Director General, AMI
Chapter 4: The Role of the Financial Services Compensation Scheme, Loretta Minghella, Chief Executive and Heather Tilston, Head Of Communications, Financial Services Compensation Scheme
Part Two: The Advice Process
Chapter 5: Training & Competence for Mortgage Intermediaries, Jayne Owen, Chief Executive, Corporate Training Partnerships Ltd
Chapter 6: Fact Finding, Research and Demonstrating Suitability, Bill Warren, Compliance Director, Complete Mortgages
Chapter 7: Mortgage Advice in Particular Parts of the Market, Bill Warren, Compliance Director, Complete Mortgages and Chris Cummings, Director General, AMI
Chapter 8: The Role of Sourcing Systems, Bill Safran, Chief Executive Officer, Trigold
Chapter 9: The Role of Packagers and Mortgage Distributors, Victor Jannels, Chairman Of Atom and Pmpa
Chapter 10: Advising On Mortgage Protection Products, Steve Devine, Head of Group Corporate Communications, Pinnacle Insurance Management Services Plc, Vanessa Moore and Chris Cummings, Director General, AMI
Chapter 11: The Second Charge Mortgage Market, Stephen Atkins, Group Compliance Director, Freedom Holdings Ltd and Kate Robinson, Freedom Holdings Ltd.
Chapter 12: Regulation and the Grey Mortgage Market, Dean Mirfin, Business Development Director, Key Retirement Solutions and Chris Cummings, Director General, AMI
Chapter 13: Professional Indemnity Insurance and Its Role in Complaint Prevention, Neil Pointon, Chief Executive and Robert Bass, Director, Pyv Ltd.
Chapter 14: Offshore Mortgages, Simon Conn, Managing Director, Conti Financial Services
Chapter 15: Mortgage Lead Generation, Vanessa Blount, Head Of Paaleads.com
Chapter 16: Financial Promotions, Chris Cummings, Director General, AMI
Chapter 17: Preparing for an FSA Visit,Chris Cummings, Director General, AMI
Chapter 18: Treating Customers Fairly in the Mortgage Market, Chris Cummings, Director General, AMI
Chapter 19: The Complaint Management Rules, Adam Samuel, Adam Samuel Training & Consulting Services
Chapter 20: Handling a Complaint at the Financial Ombudsman Service, Adam Samuel, Adam Samuel Training & Consulting Services
Part Three: Surviving and Thriving
Chapter 21: Surviving and Thriving as a Directly Authorised Mortgage Intermediary,Ray Boulger, Senior Technical Manager, Charcol
Chapter 22: Regulation and its Impact on Mortgage Networks, Sally Laker, Managing Director, Mortgage Intelligence
Chapter 23: Regulation and its Impact on Service Companies, Ken Davy, Chairman, Simplybiz
Chapter 24: Regulation and its Impact on Mortgage Clubs, Nick Baxter, Director, Mortgage Promotions
Chapter 25: The Growing Role of European Regulation, Nic De Maesschalck, Director and Alina Domaradzka, Legal Assistant, BIPAR
Chapter 26: Raising the Bar for Professionalism, Richard Fox, Chief Executive, Society of Mortgage Professionals
Chapter 27: The Future of Mortgage Regulation, Chris Cummings, Director General, AMI

Series: The City Library

A Practitioner's Guide to Directors' Duties and Responsibilities 6th ed
Edited by: Tim Boxell
ISBN 9780414056992
To be published October 2018
Sweet & Maxwell Ltd
£175.00
A Practitioner's Guide to Financial Promotions 2nd ed ISBN 9781905121229
To be published October 2018
Sweet & Maxwell Ltd
£135.00
Consumer Financial Services Complaints and Compensation 2nd ed ISBN 9780414034044
To be published October 2018
Sweet & Maxwell Ltd
£135.00
A Practitioner's Guide to the UK Financial Services Rulebooks 7th ed ISBN 9780414056978
To be published October 2018
Sweet & Maxwell Ltd
£175.00
A Practitioner's Guide to Authorised Investment Funds 2nd ed ISBN 9780414033535
To be published October 2018
Sweet & Maxwell Ltd
£150.00
U.S. Regulation for Asset Managers Outside the United States 2nd ed ISBN 9780414031968
To be published April 2017
Sweet & Maxwell Ltd
£130.00
A Practitioner's Guide to Banking Regulation: Mastering the New Regulatory Landscape ISBN 9780414061286
Published November 2016
Sweet & Maxwell Ltd
£175.00
A Practitioner's Guide to the FCA Listing Regime 2016/2017 ISBN 9780414056985
Published August 2016
Sweet & Maxwell Ltd
£175.00
A Practitioner's Guide to Solvency II ISBN 9780414054851
Published April 2016
Sweet & Maxwell Ltd
£175.00
A Practitioner's Guide to UK Money Laundering Law and Regulation 3rd ed
Edited by: Ben Kingsley
ISBN 9780414052574
Published December 2015
Sweet & Maxwell Ltd
£165.00
A Practitioner's Guide to Alternative Investment Funds 3rd ed ISBN 9780414034006
Published September 2015
Sweet & Maxwell Ltd
£160.00
A Practitioner's Guide to MiFID II: The Markets in Financial Instruments Directive 2nd ed ISBN 9780414026858
Published March 2015
Sweet & Maxwell Ltd
£145.00
A Practitioner's Guide to The AIM Rules 7th ed
Edited by: Tom Nicholls
ISBN 9780414034020
Published September 2014
Sweet & Maxwell Ltd
£155.00
A Practitioner's Guide to the Regulation of Insurance 5th ed
Edited by: John Young
ISBN 9780414028357
Published August 2014
Sweet & Maxwell Ltd
£173.00
£169.00
A Practitioner's Guide to the UK Financial Services Rulebooks 6th ed ISBN 9780414027480
Published December 2013
Sweet & Maxwell Ltd
£173.00
A Practitioner's Guide to the Regulation of Investment Banking 3rd ed
Edited by: Simon Gleeson
ISBN 9780414028135
Published November 2013
Sweet & Maxwell Ltd
£173.00
A Practitioner's Guide to Directors' Duties and Responsibilities 5th ed
Edited by: Tim Boxell
ISBN 9780414028241
Published October 2013
Sweet & Maxwell Ltd
£169.00
Business Services, Partnering and Outsourcing Contracts: A Practical Guide 4th ed ISBN 9780414024335
Published December 2012
Sweet & Maxwell Ltd
£155.00
Practitioner's Guide to European Bond Markets
Edited by: Nick CollierHead of Regulatory Policy, ICMA, Michael RaffanFreshfields Bruckhaus Deringer
ISBN 9781905121168
Published November 2012
Sweet & Maxwell Ltd
Publication Abandoned
A Practitioner's Guide to Inside Information 2nd ed ISBN 9780414026988
Published September 2012
Sweet & Maxwell Ltd
£169.00
A Practitioner's Guide to Trade and Commodity Finance
Edited by: Geoffrey Wynne
ISBN 9780414045392
Published August 2012
Sweet & Maxwell Ltd
£113.00
A Practitioner's Guide to Basel III and Beyond ISBN 9780414045385
Published June 2011
Sweet & Maxwell Ltd
£185.00
£185.00
A Practitioner's Guide to Derivatives
Edited by: Jonathan Marsh
ISBN 9780414043053
Published November 2010
Sweet & Maxwell Ltd
£185.00
A Practitioner's Guide to Alternative Investment Funds 2nd ed ISBN 9780414043107
Published October 2010
Sweet & Maxwell Ltd
Out of print
A Practitioner's Guide to Directors' Duties and Responsibilities 4th ed
Edited by: Tim Boxell
ISBN 9780414043114
Published September 2010
Sweet & Maxwell Ltd
Out of print
A Practitioner's Guide to Authorised Investment Funds ISBN 9781905121403
Published June 2010
Sweet & Maxwell Ltd
£155.00
A Practitioner's Guide to Syndicated Lending
Edited by: Andrew Shutter
ISBN 9781905121366
Published January 2010
Sweet & Maxwell Ltd
£195.00
A Practitioner's Guide to Private Equity ISBN 9781905121342
Published July 2009
Sweet & Maxwell Ltd
£232.00
Outsourcing Contracts: A Practical Guide 3rd ed ISBN 9781905121373
Published July 2009
Sweet & Maxwell Ltd
Out of print
A Practical Guide to PPP in the United Kingdom ISBN 9781905121236
Published May 2009
Sweet & Maxwell Ltd
£155.00
A Practitioner's Guide to European Leveraged Finance ISBN 9781905121359
Published April 2009
Sweet & Maxwell Ltd
£195.00
A Practitioner’s Guide to Corporate Restructuring ISBN 9781905121311
Published August 2008
Sweet & Maxwell Ltd
£195.00
A Practical Guide to PPP in Europe 2nd ed
Edited by: Maurice Button
ISBN 9781905121298
Published June 2008
Sweet & Maxwell Ltd
£232.00
A Practitioner’s Guide to Takeovers and Mergers in the European Union 5th ed
Edited by: City & Financial
ISBN 9781905121304
Published June 2008
Sweet & Maxwell Ltd
£232.00
U.S. Regulation for Asset Managers Outside the United States ISBN 9781905121199
Published March 2008
Sweet & Maxwell Ltd
£185.00
A Practitioner's Guide to MiFID: The Markets in Financial Instruments Directive ISBN 9781905121151
Published June 2007
Sweet & Maxwell Ltd
Out of print
A Practitioner's Guide to FSA Investigations and Enforcement 2nd ed ISBN 9781905121137
Published May 2007
Sweet & Maxwell Ltd
Out of print
US Securities Laws and Foreign Private Issuers
Edited by: Brian Lane
ISBN 9781905121144
Published April 2007
Sweet & Maxwell Ltd
£185.00
A Practical Guide to PPP in Europe
Edited by: Maurice Button
ISBN 9781905121090
Published October 2006
Sweet & Maxwell Ltd
Out of print
A Practitioner's Guide to EU Financial Services Directives 2nd ed ISBN 9781905121076
Published September 2006
Sweet & Maxwell Ltd
£185.00
Practitioner's Guide to Securitisation ISBN 9781898830788
Published January 2006
Sweet & Maxwell Ltd
£185.00
A Practitioner's Guide to Takeovers and Mergers in the European Union 4th ed ISBN 9781905121069
Published October 2005
Sweet & Maxwell Ltd
Out of print
A Practitioner's Guide to FSA Investigation and Enforcement ISBN 9781898830931
Published September 2005
Sweet & Maxwell Ltd
Out of print
Pensions Risk and Strategy ISBN 9781898830757
Published August 2005
Sweet & Maxwell Ltd
£139.00
Consumer Complaints and Compensation: A Guide for the Financial Service Market ISBN 9781898830993
Published June 2005
Sweet & Maxwell Ltd
£139.00
A Practitioner's Guide to the Basel Accord ISBN 9781898830979
Published March 2005
Sweet & Maxwell Ltd
£45.00
(Second Hand)
A Practitioner's Guide to The FSA Regulation of Lloyd's 2nd ed ISBN 9781898830870
Published January 2005
Sweet & Maxwell Ltd
£155.00
International Insider Dealing ISBN 9781898830801
Published January 2005
Sweet & Maxwell Ltd
£245.00
A Practitioner's Guide to Audit regulation in the UK ISBN 9781898830894
Published December 2004
Sweet & Maxwell Ltd
£99.00
Practical Company Law and Corporate Transactions ISBN 9781898830733
Published November 2004
Sweet & Maxwell Ltd
Out of print
Financial Promotion - A Practitioner's Guide ISBN 9781898830726
Published October 2004
Sweet & Maxwell Ltd
Out of print
A Practical Guide to the FSA's Regulation of Mortgages ISBN 9781898830849
Published March 2004
Sweet & Maxwell Ltd
£25.00
(Second Hand)
A Practitioner's Guide to the Company Law Review ISBN 9781898830535
Published June 2003
Sweet & Maxwell Ltd
Out of print
A Practitioner's Guide to International Money Laundering Law and Regulation ISBN 9781898830689
Published April 2003
Sweet & Maxwell Ltd
Out of print
A Practitioner's Guide to EU Financial Services Directives ISBN 9781898830696
Published March 2003
Sweet & Maxwell Ltd
Out of print
A Practitioner's Guide to the Hong Kong Takeover Code ISBN 9781898830603
Published November 2002
Sweet & Maxwell Ltd
Out of print
A Practitioner's Guide to the Acquisition of Companies in the United States ISBN 9781898830665
Published September 2002
Sweet & Maxwell Ltd
Out of print
Out of print
Public Company Takeovers in Germany ISBN 9781898830658
Published July 2002
Sweet & Maxwell Ltd
Out of print
A Practitioner's Guide to the FSA Regulation of Lloyd's ISBN 9781898830467
Published June 2002
Sweet & Maxwell Ltd
Out of print
A Practitioner's Guide to Partnership and LLP Law and Regulation ISBN 9781898830566
Published January 2002
Sweet & Maxwell Ltd
Out of print
Venture Capital and Private Equity: A Practitioner's Manual ISBN 9781898830528
Published December 2001
Sweet & Maxwell Ltd
Out of print
A Practitioner's Guide to the Regulation of the Internet 2nd ed ISBN 9781898830511
Published April 2001
Sweet & Maxwell Ltd
Out of print