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The Mortgage Credit Directive Order 2015

Draft Legislation:

This is a draft item of legislation. This draft has since been made as a UK Statutory Instrument: The Mortgage Credit Directive Order 2015 No. 910

Extension of the compulsory jurisdiction of the Financial Ombudsman Scheme to registered consumer buy-to-let mortgage firms

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26.—(1) Part 16 (the Ombudsman Scheme) of the 2000 Act applies in respect of a complaint relating to the act or omission of a registered consumer buy-to-let mortgage firm as if—

(a)in section 226(2)(b) of that Act (compulsory jurisdiction)(1), after “Payment Services Regulations 2009,” there were inserted “a registered consumer buy-to-let mortgage firm within the meaning of Part 3 of the Mortgage Credit Directive Order 2015,”;

(b)in section 232A of that Act (scheme operator’s duty to provide information to FCA)(2), after “FCA’s operational objectives” there were inserted “, or which might otherwise be of assistance to the FCA for the purposes of discharging any of the FCA’s functions under Part 3 of the Mortgage Credit Directive Order 2015,”;

(c)in section 234 of that Act (industry funding)(3), after “any electronic money issuer within the meaning of the Electronic Money Regulations 2011” there were inserted “, any registered consumer buy-to-let mortgage firm within the meaning of Part 3 of the Mortgage Credit Directive Order 2015”;

(d)in paragraph 13(4) of Schedule 17 to that Act (FCA’s procedural rules)(4), after “an electronic money issuer within the meaning of the Electronic Money Regulations 2011,” there were inserted “a registered consumer buy-to-let mortgage firm within the meaning of the Mortgage Credit Directive Order 2015,”.

(1)

Section 226 was amended by paragraph 1 of Schedule 11 to the Financial Services Act 2012 and by S.I. 2009/209 and 2011/99.

(2)

Section 232A was inserted by paragraph 9 of Schedule 11 to the Financial Services Act 2012.

(3)

Section 234 was amended by paragraph 10 of Schedule 11 to the Financial Services Act 2012 and by S.I. 2009/209 and 2011/99.

(4)

Paragraph 13 was amended by paragraphs 13 and 24 of Schedule 11 to the Financial Services Act 2012 (c. 21) and by S.I. 2009/209 and 2011/99.

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