Industry Responses

As well as proactively campaigning, the BSA frequently comments on consultative papers issued by the Financial Conduct Authority and Prudential Regulation Authority, and by Government departments such as the Treasury or the Department for Business, Innovation and Skills. 

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Implementing Basel 4 in the EU

We call for more systematic proportionality to reduce the unnecesssary burdens on small, non-complex banks, including most building societies.

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Asset Encumbrance

The main proposals are reasonable, and will improve clarity and transparency.

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Credit unions - PRA review of capital regime

We broadly welcome and support the review proposals

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PRA's approach to supervising liquidity and funding risks

We agree there should be no order in which firms use the BoE's liquidity facilities or draw down their own liquid asset buffers to meet a liquidity need.

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Regulation of insolvency practitioners, review of the regulatory landscape.

The BSA has responded to the consultation which examines the currently system of Recognised Professional Bodies (RPBs) regulating insolvency practitioners.



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Financial Services Future Regulatory Framework Review

BSA calls for parity for mutuals, "think small first", and some legislative updating.

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Labour's new deal for leaseholders

The BSA has responded to Labour's proposals for leaseholders.

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Pillar 2 liquidity: PRA 110 reporting frequency threshold

Large building societies have confirmed they are able to report the PRA 110 on a daily basis in times of specific or market liquidity stress – but warn there could also be resource implications to such a move.  

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Making Home Ownership Affordable

The BSA response to the MHCLG Discussion Paper on shared ownership.

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BSA responds to Financial Ombudsman Service funding proposals

New funding proposals from the Financial Ombudsman Service run counter to the principle of 'polluter pays' with more cost falling on those firms with fewer complaints.  The BSA has responded to the ombudsman's consultation.

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