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by the following authors: 'Paul Broadhead'

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How can firms adapt to meet the needs of an ageing population?

Article,
Contact:
paul broadhead,
Last updated:
25 February 2016

Over the last couple of years, the Building Societies Association (BSA) has been thinking about how best to respond to the needs of an ageing population. At its heart, the challenge is: how do we, as financial services firms, ensure that the needs of older customers are consi...

21st Century Welfare - DWP consultation

Industry response,
Contact:
paul broadhead,
Last updated:
29 May 2012

The BSA is supportive of proposals to streamline the benefits process and therefore support the principles for introducing a Universal Credit (UC). However, we are concerned with the impact that UC would have on the Support for Mortgage Interest (SMI) benefit. The proposal...

Forbearance and Impairment Provisions FSA Guidance Consultation

Industry response,
Contact:
paul broadhead,
Last updated:
29 May 2012

The BSA welcomes the publication of the guidance consultation and its intention to provide assistance to firms, in relation to dealing with forbearance and ensuring adequate reporting and provisioning of impaired accounts. However, we have a number of concerns with the...

FSA Mortgage Market Review DP 09/3

Industry response,
Contact:
paul broadhead,
Last updated:
29 May 2012

Summary of the Response 1. It is important that the Review recognises that in the context of the current financial crisis, the problems in the global and European and UK economies today are a result of liquidity and structural issues arising in global financial markets...

FSA Mortgage Market Review: Interest Only and Non deposit taking lenders

Industry response,
Contact:
paul broadhead,
Last updated:
29 May 2012

Whilst sharing the FSA's overall concerns about the impact of borrowers not having adequate repayment strategies, the BSA argues against the need for regulation in the area of interest only mortgages. We strongly oppose any moves for lenders to take on responsibility f...

Homes for Wales White Paper

Industry response,
Contact:
paul broadhead,
Last updated:
17 August 2012

We welcome the opportunity to comment on the Welsh Government’s first housing strategy. We support the holistic approach to housing taken in the White Paper and welcome further discussion as the Welsh Government moves to implement the proposals. We support improvements...

Mortgage Market Review: Arrears Consultation CP10/2

Industry response,
Contact:
paul broadhead,
Last updated:
29 May 2012

On 26 January 2010, the FSA published the first consultation paper from the Mortgage Market Review discussion paper relating to arrears and approved persons (CP 10/2). The deadline for responses to the CP was 30 April 2010. The CP contains two parts, the first on c...

Mortgage Market Review: Full package of reforms CP 11/31

Industry response,
Contact:
paul broadhead,
Last updated:
29 May 2012

Executive Summary Affordability assessment • We have consistently agreed with the principle that all mortgage applications should be assessed on the applicant's ability to repay the loan. Borrowers should be required to provide accurate and genuine information about...

Our response to Rethinking the UK financial services trade association landscape consultation

Industry response,
Contact:
paul broadhead,
Last updated:
10 April 2015

BSA response to Rethinking the UK financial services trade association landscape consultation  Consultation Paper

Support for Mortgage Interest: Informal Call for Evidence

Industry response,
Contact:
paul broadhead,
Last updated:
29 May 2012

The BSA welcomes the opportunity to respond to the call for evidence on Support for Mortgage Interest (SMI). The BSA has been calling for a review of SMI for some time now in letters to the Chancellor ahead of Budget statements, to the Treasury Select Committee during its ...

Scottish Land and Buildings Transactions Tax

Industry response,
Contact:
paul broadhead,
Last updated:
10 October 2014

Scotland legislates to replace Stamp Duty Land Tax from April 2015 The Scottish Parliament has legislated to replace Stamp Duty Land Tax with a Land and Buildings Transaction Tax (LBTT) from 1 April 2015. Rather than the slab structure of the Stamp Duty Land Tax, the...

Technical Reforms of Council Tax

Industry response,
Contact:
paul broadhead,
Last updated:
29 May 2012

We recognise the desire to collect Council Tax where possible and so a review of the current exemptions is sensible. However, we are concerned that there has not been a detailed analysis of the impact of the proposal to collect Council Tax on repossessed homes and we do no...

The future of Right to Buy in Scotland

Industry response,
Contact:
paul broadhead,
Last updated:
05 September 2012

We support the Scottish Government’s vision for all people in Scotland to live in high-quality, sustainable housing. Right to buy is a way of creating mixed communities and in some cases, increasing revenue for reinvestment for social housing. We do not believe that th...