Written Question·Treasury·UIN 91221

Mortgages: Regulation

Tabled: 14 November 2025

Answered: 24 November 2025

Question

Martin Wrigley

To ask the Chancellor of the Exchequer, if she will make an assessment of the potential merits of changing the Financial Conduct Authority's commercial mortgage regulations to only apply when a problem is observed and a complaint raised.

Answer

Lucy Rigby

Unlike residential mortgages, commercial mortgages are not typically regulated by the Financial Conduct Authority.

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