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Whose mortgage is it anyway? Producers, consumers and the law in the UK mortgage market

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Whose mortgage is it anyway? Producers, consumers and the law in the UK mortgage market


This paper surveys of the public law of mortgages: Financial Services Authority (FSA) and Consumer Credit Act; the financial and economic context of mortgages with particular reference to securitisation of mortgages and the Crosby and Miles Reports on mortgages commissioned by the Treasury in 2004 and 2008. It then provides a more detailed discussion of the problems in the current law and regulatory framework of mortgages with particular reference to defaults and repossessions and makes suggestions for changes in law and practice including new forms of mortgages and new regulatory provisions.

McAuslan, Patrick (2009) Whose mortgage is it anyway? Producers, consumers and the law in the UK mortgage market. In: W G Hart Legal Workshop 2009: Law Reform and Financial Markets: Institutions and Governance, 23rd - 25th June 2009, Institute of Advanced Legal Studies, London. (Unpublished)


Item Type: Conference or Workshop Item (Paper)
Additional Information: Paper on the reform of mortgage laws presented by Professor Patrick McAuslan, Birkbeck College, University of London.
Subjects: Economics
Law
Keywords: Mortgages, Mortgage law, Law reform, United Kingdom
Divisions: Institute of Advanced Legal Studies
Collections: W G Hart Legal Workshop papers
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URI: http://sas-space.sas.ac.uk/id/eprint/3422
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