Ar sail ymatebion gan Aelodau'r Cynulliad, etholwyr a'r diwydiant adeiladu'n gyffredinol, mae'n amlwg bod y gofyniad cyfreithiol i adeiladwyr gael trwydded credyd defnyddwyr cyn cofrestru gyda'r cynllun Cymorth i Brynu - Cymru wedi bod yn rhwystr sylweddol gan gofio'r costau perthnasol wrth gael y drwydded gan yr Awdurdod Ymddygiad Ariannol.
Based upon responses from Assembly Members, constituents and the building industry more generally, it is clear that the legal requirement for builders to obtain a consumer credit licence before registering with the Help to Buy – Wales scheme has acted as a significant deterrent given the costs involved in obtaining this licence from the Financial Conduct Authority.