ɪnðə juːnˈaɪɾᵻd kˈɪŋdəm, ðɪ ˌɛfsˌiːˈeɪ faɪnˈænʃəl kˈɑːndʌkt ɐθˈɔːɹɪɾi fˈɔːɹmɚli ðɪ ˌɛfˌɛsˈeɪ faɪnˈænʃəl sˈɜːvɪsᵻz ɐθˈɔːɹɪɾi ɹˈɛɡjʊlˌeɪts lˈoʊnz sᵻkjˈʊɹd ˌɔn ɹˌɛzᵻdˈɛnʃəl pɹˈɑːpɚɾi.
In the United Kingdom, the FCA - Financial Conduct Authority (formerly the FSA - Financial Services Authority) regulates loans secured on residential property.