Purpose – The purpose of this paper is to provide a practitioner's guide to mortgage regulation. Design/methodology/approach – The paper explores the mortgage code and the road to statutory regulation. Findings – It was found that the future of mortgage regulation rests partly with those policy makers who decide that change is needed and partly with those who work in the industry. Good firms who strive to run better businesses and deliver improving service to their customers have little to fear from rising regulatory standards as they will always be at least one step ahead of the regulator. What is required is a weather-eye on the changing market and economic conditions, a strong, unifying voice to campaign on behalf of the industry and a clear commitment to work for the good of the customer. That way, whilst some times will be good, and others will be less so, there will still be business to be done. Originality/value – The paper offers practitioners a guide to mortgage regulation, advising on what firms need to do, key issues for mortgage intermediaries and the need to manage the sector's reputation.
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