BSA and the Council of Mortgage Lenders (CML) have responded to FSA's consultation on potential changes in regulation of interest-only mortgages. They say that if FSA implemented the proposals, such proposals could have the effect of considerably restricting the market for these mortgages. The compliance costs and regulatory risks FSA's proposals would result in mean many lenders would be likely to withdraw from the market. The BSA said FSA must avoid creating a moral hazard where customers take less interest in their finances because they think lenders are doing it for them. The CML said it saw no evidence of significant losses from interest-only customers so FSA was trying to address a potential risk only.