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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. 

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.

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