The Mortgage Market Review (MMR) is due for implemetation in April 2014. While this may not have a great impact on your firm, you do need to understand what the changes are and what this means for your firm.
We published a news item on the MMR requirements on the 26th April 2013. Since that time the FCA has conducted an implementation survey and published the results on the 9th October which you can see here. In summary, the feedback for intermediaries is:
- They are more prepared than lenders;
- Firms intending to provide execution only services are behind with preparation;
- Intermediaries were unsure of the disclosure requirements, execution only process and how to evidence suitability;
- Firms’ biggest stated risk to implementation was understanding the rules.
Further work planned by the FCA includes support in the form of fact sheets and possibly a webcast. They also plan to offer firms face to face meetings with the implementation team in February 2014.
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