The BBA is now integrated into UK Finance. Please go to www.ukfinance.org.uk for new content and updates from UK Finance.
Material published by BBA prior to 1st July 2017 is still available on this website.
From 1 July 2017, the finance and banking industry operating in the UK will be represented by a new trade association, UK Finance. It will represent around 300 firms in the UK providing credit, banking, markets and payment-related services. The new organisation will take on most of the activities previously carried out by the Asset Based Finance Association, the British Bankers’ Association, the Council of Mortgage Lenders, Financial Fraud Action UK, Payments UK and the UK Cards Association.x
In this section our policy experts give their views on the latest news and developments in the banking industry
Ahead of the European Central Bank’s announcements of its stress tests of banks from across Europe, BBA Executive Director Simon Hills writes about what we can expect.Read more
A bank loan or overdraft isn’t always the right way to prepare your business growth. Irene Graham looks at the increasing popularity of alternative finance to power small and medium-sized enterprises.Read more
On Monday Professor Russel Griggs, the independent external reviewer of the Appeals Process for small business lending, launched his first quarterly report of 2014. His numbers show that thousands of SMEs have used the Appeals Process successfully to obtain the finance they need.
BBA Executive Director of Business Finance Irene Graham’s blog sets out a simple step-by-step guide on how the Better Business Finance website that could help you launch an appeal.Read more
Irresponsible lending is good for no-one. Taking on too much debt can devastate an individual’s life and we only have to remember the events of the last decade to see what happens to banks when they lend out money that can’t be repaid.
That’s why the BBA and its members broadly support proposals from the Prudential Regulatory Authority to limit the number of mortgage loans greater than four-and-a-half times a customer’s income.Read more
Written by Nicholas Smith, Policy Advisor
You could be forgiven for thinking that London’s trams might be an unlikely place to find cutting edge technology. But from this week, this iconic and characterful mode of public transport – along with our more conventional Tube stations and buses – are offering technology that allows you to pay your way with just a flash of your bank card.Read more
Written by Anthony Browne
The BBA supported the concept of a simple, non-risk based leverage ratio when it was proposed by international banking standard setters at the Basel committee in 2009. That’s why we have today raised some concerns about the Financial Policy Committee’s (FPC) proposals for a UK specific leverage ratio (see the full response here). We believe that they are too complex and potentially damaging.Read more