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Banking Conduct of Business Sourcebook - industry guidance

Industry publication,
Contact:
andrew hopkins,
Last updated:
24 December 2015

The Financial Conduct Authority's Banking Conduct of Business Sourcebook (BCOBS) came into force on 1 November 2009. BCOBS applies to firms carrying out the activity of accepting deposits from banking customers in the UK, for example by providing saving and current account...

2007 Independent Review of the Banking Codes

Industry response,
Contact:
andrew hopkins,
Last updated:
12 November 2014

Recommendations of the independent reviewer and response by the code sponsors Foreword The independent review of the Banking Code that has recently been completed is the most comprehensive that has ever taken place. The Reviewer received 50 submissions from individu...

BIS midata 2012 review and consultation

Industry response,
Contact:
andrew hopkins,
Last updated:
10 September 2012

Summary The Association agrees with the general principle of empowering consumers to have greater access their personal data in order to make better informed choices. There are currently many ways in which consumers can access their personal data from building societies...

FCA call for input on PAD terms and definitions

Industry response,
Contact:
andrew hopkins,
Last updated:
20 July 2015

The BSA response to the FCA Call for Input: Terms and definitions for services which are linked to payment accounts and subject to fees is available below. We argue against changing the commonly used term "unarranged overdraft" to "unplanned overdraft". BSA response  

FSA CP12/35 The FCA's use of temporary product intervention rules

Industry response,
Contact:
andrew hopkins,
Last updated:
05 February 2013

The Building Societies Association (the BSA) represents mutual lenders and deposit takers in the UK including all 46 UK building societies. Mutual lenders and deposit takers have total assets of over £375 billion and, together with their subsidiaries, hold residential mor...

HMT consultation: Setting the strategy for UK payments

Industry response,
Contact:
andrew hopkins,
Last updated:
18 October 2012

In summary, the Association supports a combination of Option 1 (reform of the Payments Council) and Option 2 (the creation of the Payments Strategy Board). We believe that the Payments Council should be given the opportunity to reform first. Part of the reform should be to...

Implementation of the EU payment accounts directive

Industry response,
Contact:
andrew hopkins,
Last updated:
03 August 2015

The BSA has responded to HM Treasury's consultation on the implementation of the EU Payment accounts directive. Our response is available below - BSA response

Our response to HM Treasury's consultation 'Opening up UK payments'

Industry response,
Contact:
andrew hopkins,
Last updated:
25 June 2013

Introduction The Building Societies Association (BSA) represents mutual lenders and deposit takers in the UK including all 46 UK building societies.  Mutual lenders and deposit takers have total assets of over £375 billion and, together with their subsidiaries, hold res...

Our response to PSR CP14/1 A new regulatory framework for payment systems in the UK

Industry response,
Contact:
andrew hopkins,
Last updated:
12 January 2015

The BSA response to the Payment Systems Regulator consultation paper 14/1 A new regulatory framework for payment systems in the UK is available below - BSA response to PSR CP14/1

Our response to the FCA consultation "Payment Systems Regulation - Call for inputs"

Industry response,
Contact:
andrew hopkins,
Last updated:
15 April 2014

The Building Societies Association (BSA) represents mutual lenders and deposit takers in the UK including all 45 UK building societies.  Building societies have total assets of nearly £330 billion and, together with their subsidiaries, hold residential mortgages of over £2...

BSA response to FCA CP17/11 Implementation of the revised Payment Services Directive (PSD2): draft A

Industry response,
Contact:
andrew hopkins,
Last updated:
08 June 2017

The BSA response to FCA CP17/11 Implementation of the revised Payment Services Directive (PSD2): draft Approach Document and draft Handbook changes is available here . Summary of our response: There is a need for further guidance on what elements of the PSR 2017 apply t...

BSA response to DP01-18 Building the UK financial sector's operational resilience

Industry response,
Contact:
andrew hopkins,
Last updated:
02 October 2018

Our response to this Discussion Paper has been submitted to the Bank of England / PRA FCA Building the UK financial sector's operational resilience

FCA Quarterly Consultation No 26 - CP19/33

Industry response,
Contact:
andrew hopkins,
Last updated:
06 February 2020

In our response to CP 19/33, we set out our concerns regarding the FCA's proposed amendments to the guidance on the definition of a "Payment Account".  Click here for our response.