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Industry News FSA Publish Findings on recent TCF Survey Recent research shows that most home-owners will avoid negative equity. Stability returning to capital's property market. Credit crunch pushes struggling consumers to fraud. Industry figure claims people in debt may find themselves under increasing pressure. Steepest drop in disposable income means no savings for thousands Developers and valuers back CML new-build disclosure forms RICS changes rule book BBC negative equity claims disputed. Most consumers seek advice FSA demands stress tests FSA considering delaying Mifid proposal Government plans to assist FTB's not enough No base rate cuts until 2010 says Bank of England Regulator reviews repossessions Cost of fixed rate deals soar Home Information Packs delayed Buy to let sees reduction in number of mortgages available. Sub prime not likely to return to pre-crunch levels High Street lenders may be target of bi-annual FSA visits. Council of Mortgage Lenders campaigning for ISMI reform. Seventh consecutive month of falling house prices. New Banking Code embraces TCF. 97% of UK businesses predict credit conditions will worsen over the next six months. House prices in England and Wales rose by 0.9% in January FSA gets tough to achieve TCF goals Calls to regulate buy-to-let Drawdown demand soars Rent-back sector gets trade body. Mortgage payments have doubled since 2002 Insolvencies fell 17% in 2007 MP's slam regulator for NR failings Small brokers face increase in fees as FSA steps up scrutiny Trade body appeal allows brokers to continue to earn fees & commission. Relief for small firms as Chancellor makes U-turn on Capital Gains. One in 10 of the British public spend beyond their means. Buying costs almost as much as renting CML seek to introduce their own sub-prime categories. Competent Adviser wins top Institute student award for 5th year running Base rate cuts on the cards. FSA tells brokers own fault if they fail to meet next December's TCF deadline. TCF Lender Forum launch website to provide guidance on Treating Customers Fairly 59% of small firms have not met FSA standards concerning TCF. Higher interest rates are causing first time buyers to spend almost a fifth of their income on interest only mortgage repayments figures from the CL revealed recently. Affordable housing at top of Labour policy agenda Citizens Advice Report highlights missed payment crisis HIPS to be introduced for all properites on December 14th, six months later than planned. Home Reversion plans / Islamic Mortgages FOS FTBs Mortgage disclosure CIC T & C Anti-money laundering Debt test Networks / ARs FSA road map Self-cert mortgages PPI PTA Regulated Mortgage Survey FSA consumer website TCF Commonhold Sub-prime Credit Searches / Footprints Equity release Pensions Regulator Banking Code Third party processors FSA Mystery shopping New FSA Guide New FSA website launched Self-Cert Lending New Examination Structure How to keep up to date with regulatory changes New Bankruptcy Rules effective 1st April 2004 Profiling buy-to-let borrowers (Dec 2004) The Barker Review The Miles Report Tips to help firms get PII A quick overview of PS186 A quick overview of CP194 An overview of the Financial Promotions rules A quick overview of CP187 FSA proposals for regulated advice FSA proposals for non-advice advice A quick overview of CP 186 Mortgage Regulation – ‘Be Prepared’ Current Account Mortgages (CAM Accounts) The Role of the Supervisor Industry News News Digest reproduces, on an occasional basis, some of the key industry stories that are considered to have a reasonably long "shelf life". It is not intended that the News Digest be used as your main news service. For up to date, day to day news we recommend you subscribe to one (or several) of the industry news services available. What Mortgage online news service Link 1: http://www.whatmortgageonline.co.uk/news1/ Best Advice News Service Link 2: http://www.bestadvice.net/ Hometrack (Property Price) News Link 3: http://www.hometrack.co.uk in2perspective - Property & Finance - News & analysis Link: http://www.in2perspective.com/ Mortgage Introducer Link 4: http://www.mortgageintroducer.com/ Newspaper Round-Up - Financial News Link 5: http://uk.finance.digitallook.com/cgi-bin/digital/news.cgi CNN General News Service Link 6: http://edition.cnn.com Moneyquest news service Link 7: http://www.moneyquest.co.uk/news.html BBC Business News Link 8: http://news.bbc.co.uk/1/hi/business/default.stm Mortgage Finance Gazette Link 9: http://www.mfgonline.co.uk/ NCF Commercial (& BTL) Briefing Link 10: http://www.ncfonline.co.uk

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