An Introduction to the Regulation of Mortgages & Secured Lending - Unravelling the FSMA

An Introduction to the Regulation of Mortgages & Secured Lending - Unravelling the FSMA


21 Jun 2024

10:00 AM ‐ 1:00 PM

With a SmartPlan £144

With a Season Ticket £160

Standard price £320

All prices exclude VAT
Introduction: Requires no prior subject knowledge
3 hours
Group bookings
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The regulation of mortgages and secured lending is covered by the provisions of the Financial Services and Markets Act 2000 (‘FSMA’). Join Simon Popplewell who will look at which types of secured lending fall within the FSMA regime, and how to avoid regulation if at all possible.

This virtual classroom session will also consider issues such as loans to family members to assist in the purchase of property, and whether such loans require FSMA authorisation, as well more traditional arms length types of secured loans. It will discuss what consequences apply if a mortgage or secured loan does fall within the FSMA regime and also consider other legislation other than FSMA that might impact on secured lending.

What You Will Learn

This live and interactive broadcast will cover the following:

  • What types of loans are potentially subject to regulation? In particular what is a ‘regulated mortgage contract’ for the purposes of FSMA?
  • What types of activities in respect of secured loans might require authorisation from the Financial Conduct Authority?
  • What is the impact of the Mortgage Credit Directive on UK secured lending?
  • What ways are there to avoid regulation?
  • What are the consequences of entering into a regulated mortgage without the appropriate authorisation?
  • What requirements are imposed on regulated lenders?
  • Other than FSMA what other legislation might have an effect on mortgages or other secured lending?

Recording of live sessions: Soon after the Learn Live session has taken place you will be able to go back and access the recording - should you wish to revisit the material discussed.