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Mortgages and Regulatory Compliance

Article contributed by Nigel Clayton    Introduction  Few property lawyers profess any real enjoyment for mortgage law. Fewer still profess any real understanding of the statutory and regulatory regimes that have applied to mortgages over the years. This is hardly surprising. The Consumer Credit Act 1974 was a statutory minefield. Its reach over credit agreements secured on land has largely been overtaken on a piecemeal basis by the Financial Services and Markets Act 2000, and the substantial body of secondary…

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