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Leverage Ratio Review - Interim Report

Industry response,
Contact:
andrew gall,
Last updated:
09 September 2014

Download a PDF version FPC LEVERAGE RATIO REVIEW   RESPONSE FROM THE BUILDING SOCIETIES ASSOCIATION   The Building Societies Association (BSA) is pleased to respond to the Financial Policy Committee’s review of the leverage ratio. The BSA represents all ...

National Infrastructure Commission

Industry response,
Contact:
andrew gall,
Last updated:
08 January 2016

The BSA's submission to the National Infrastructure Commission's call for evidence, focusing on the importance of investment in supporting infrastructure to overcome objections to new housebuilding developments. View the submission here .

Parliamentary Commission on Banking Standards

Industry response,
Contact:
andrew gall,
Last updated:
21 September 2012

The BSA submitted a formal response to the Parliamentary Commission on Banking Standards in response to its call for evidence at the end of July. The Commission was set up in the wake of a series of scandals to hit the banking sector (including the fixing of the LIBOR ra...

IPPR Commission on Economic Justice

Industry response,
Contact:
andrew gall,
Last updated:
25 September 2017

The BSA made a short submission to the IPPR Commission on Economic Justice's work on supporting a plurality of business models, including mutuals. Read the submission here .

Retail Banking Business Models Review

Industry response,
Contact:
andrew gall,
Last updated:
07 September 2018

Building societies compete with retail banks, particularly in the retail savings and mortgage markets, where societies are required by legislation to focus, but also in some cases in personal current accounts. We believe that building societies provide a competitive constrain...

'Loyalty penalty' super-complaint

Industry response,
Contact:
andrew gall,
Last updated:
14 October 2018

The Competition and Markets Authority (the CMA) posed four questions surrounding “loyalty penalties” in mobile phone contracts, broadband, home insurance, mortgages and savings, following a super-complaint by Citizens Advice (the CA) on 28 September 2018. We restrict our com...

Fair Pricing in Financial Services

Industry response,
Contact:
andrew gall,
Last updated:
31 January 2019

The BSA has submitted comments on the FCA's Discussion Paper 18/9 "Fair Pricing in Financial Services", which sets out a framework for assessing the fairness of price discrimination practices. View the submission here .

FCA Guidance Consultation on branch and ATM closures

Industry response,
Contact:
andrew gall,
Last updated:
31 July 2020

In  GC20/2 , FCA sets out planned guidance for banks, building societies and credit unions to follow when planning closures of branches or ATMs or converting ATMs from free to customer to fee-charging. The guidance includes proposals for firms to inform FCA of their plans ...

Help to Save: consultation on implementation

Industry response,
Contact:
andrew gall,
Last updated:
22 July 2016

The BSA responded to HM Treasury's consultation on Thursday 21 July.  You can download the full response here .

Price discrimination in the cash savings market

Industry response,
Contact:
andrew gall,
Last updated:
25 October 2018

The BSA supports the FCA’s aims of promoting competition and improving consumer outcomes in the cash savings market. From our members’ perspective, the cash savings market is highly competitive and building societies compete by providing high standards of customer service and...

Government consultation on expanding the dormant assets scheme

Industry response,
Contact:
andrew gall,
Last updated:
16 July 2020

On 4 April 2019, the Government published a report   The Dormant Assets Scheme: a blueprint for expansion’​  by "industry champions" on expanding the dormant assets scheme. The Government issued a  consultation paper  in February 2020 on expanding the dormant assets scheme....

A Budget for Savers?

Newsbite,
Contact:
andrew gall,
Last updated:
31 March 2016

A couple of weeks before his recent Budget, Chancellor George Osborne acted to quell growing speculation about changes to the pensions regime by announcing that he would not be replacing the existing approach to taxation of retirement savings with a pensions ISA. He then su...

Can lower interest rates really benefit cash savers?

Newsbite,
Contact:
andrew gall,
Last updated:
01 December 2016

This week in a fascinating speech entitled “Umbrellas don’t cause rain” , Monetary Policy Committee (MPC)  member Gertjan Vlieghe set out the MPC’s case for its current approach to monetary policy and, in particular, the setting of very low interest rates. He puts forward ...

Financial services with purpose

Industry publication,
Contact:
andrew gall,
Last updated:
30 September 2020

Building societies are owned by their customers, or members.  All savers and borrowers become members of that society.  Banks are typically owned by external shareholders. The research in this report investigates how this affects these organisations, from the viewpoint of ...

Ring-fencing and Proprietary Trading Independent Review

Industry response,
Contact:
andrew gall,
Last updated:
13 June 2021

The Building Societies Association, as the representative body for all 43 UK building societies as well as six of the larger credit unions, is delighted to contribute to the Ring-fencing and Proprietary Trading Independent Review's call for evidence. Ring-fending as a struct...