Covers a range of topics relating to mortgages and the wider housing market.
Covers issues relating to savings accounts and payments.
Covers developments in conduct of business regulation
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The regulation and supervision of firms to ensure their safety and soundness under the remit of the Prudential Regulation Authority.
A new legal aid scheme to support borrowers at risk of repossession (member only content).
Building societies and credit unions are customer-owned mutual organisations. Their culture is focused on their members and communities and this influences their day to day decisions.
A wide range of statistics relating to the UK mortgage and housing markets.
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MPC cut Bank Rate to 4.25% in split vote
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View our latest press releases and comment here.
The BSA's quarterly magazine covers whats happening in the world of building societies, credit unions and the wider financial services sector.
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Treasury risk and balance sheet management training (18 June 2025 in London)
Find factsheets on mortgages, savings and the building society sector.
Track building societies that no longer exists and get a link to its successor's website.
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The UK Savings Week campaign aims to get people engaged in saving.
Toolkits to develop Workplace Savings are available here.
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The Building Societies Association is the voice of the UK's building societies.
BSA Chief Executive, Robin Fieth, explores the relationships between a savings habit, resilience, wellbeing and productivity.
Not widely reported at the time, but for me one of the sadnesses of the post financial crisis period was the closure (and solvent wind-down) of Airdrie Savings Bank, the last of a proud line of UK savings banks that started a little way further south (but still in Scotland) with the establishment of the Ruthwell Savings Bank in 1810.
The local minister in Ruthwell, Rev Henry Duncan, is said to have been deeply concerned by the dire poverty of his parishioners and “aimed to encourage saving among the labouring classes to keep them from the degradation of poor relief ”¹. Not so different in some ways from the tradition of building societies that started in Birmingham some 35 years earlier.
Winding forward to 2017, research by Toynbee Hall found that² "small sum savings can help individuals to develop greater financial resilience”. Their question was whether “formulating a savings behaviour through informal or small sum savings is any more useful than just simply having a pot of money towards improving financial resilience”. And the research found that “having such a savings behaviour can assist not only in an individual’s having a precautionary sum of money, but also in knowing how best to deal with difficult financial situations”.
With that we have the answer to the chicken and egg question that is sometimes raised about whether savings should come first, or whether financial education is a prerequisite: both at the same time!
The same report found that whilst 24% of households had no savings whatsoever (a number that does not seem to have improved much in the interim), about 20% of those in the bottom decile of income distribution did manage to save something. And that those savings were something of a status symbol –“many low income savers are motivated to save because having savings is a positive thing in itself".
Clear links then, between establishing savings habits, financial resilience and wellbeing. Links that were taken a step further by Yorkshire Building Society in its 2019 report on Using the Workplace to Get Britain Saving³ – making the connection between financial resilience, well-being and workplace productivity.
If ever there was a virtuous circle, this relationship between a savings habit, resilience, wellbeing and productivity seems to be an obvious one. But it is also one that many have tried to foster without achieving a real breakthrough. Here we have a potential meeting of individual, corporate and national interest; and that is why in the Mutuals Prospectus, we are calling for a future government to require major employers to offer workplace savings schemes through payroll deduction. Our credit union members (and some of our building society members too) have demonstrated how effective regular payroll savings can be – so let’s work together to make it happen at scale.
¹ www.natwestgroup.com/heritage/companies/ruthwell-savings-bank.html
² Toynbee Hall (2017) Savings for the Future: Solving the Savings Puzzle for Low Income Households
³ Yorkshire Building Society (2019) Using the Workplace to Get Britain Saving: being ambitious about saving
Building societies and mutual-owned banks remain the driving force in the mortgage market whilst continuing to offer competitive savings rates.
BSA comments on the MPC's decision to hold the Bank Rate at 4.25%
This full-day event in Leeds provides BSA members with expert briefings on current key risk areas in financial crime to help them review and focus the...
The Building Societies Act 1986 (Amendment Bill) successfully passed its legislative stages as part of wash up today.
The inaugural UK Savings Week runs 26 September to 2 October 2022
Speaking on the first day of the Building Societies 2023 Annual Conference at the ACC in Liverpool, BSA Chief Executive, Robin Fieth, talked about the...
Debbie will join the organisation on 1 September 2023.
Mutual trade bodies Co-operatives UK, The Association of Financial Mutuals, the Building Societies Association and ABCUL, have written to Sir Keir Sta...
Taking place between 12 Sept. - 3 Dec. 2025