Implementing the Financial Policy Committee's recommendation on loan to income ratios in mortgage lending

Bank of England

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Date Published 2014
Primary Author Bank of England Prudential Regulation Authority
Other Authors
Theme Housing Finance Policy
Country United Kingdom


This Consultation Paper proposes changes to the PRA rulebook to implement the Financial Policy Committee’s recommendation on loan to income ratios in mortgage lending. The Bank of England and the Prudential Regulation Authority (PRA) reserve the right to publish any information which it may receive as part of this consultation. Information provided in response to this consultation, including personal information, may be subject to publication or release to other parties or to disclosure, in accordance with access to information regimes under the Freedom of Information Act 2000 or the Data Protection Act 1998 or otherwise as required by law or in discharge of our statutory functions. Please indicate if you regard all, or some of, the information you provide as confidential. If the Bank of England or the PRA receives a request for disclosure of this information, the Bank of England or the PRA will take your indication(s) into account, but cannot give an assurance that confidentiality can be maintained in all circumstances. An automatic confidentiality disclaimer generated by your IT system on emails will not, of itself, be regarded as binding on the Bank of England and the PRA.

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