My personal bias is towards 'Trad folk' rather than 'contemporary/singer songwriter folk',
if anyone cares to know.

MGM·Lion, hundreds of thousands, if not millions of UK citizens,
be they musicians, journalists, critics, consumers, whoever..
have grown up using the reasonably viable name "contemporary folk music".

A name which has existed and been so widely accepted for at least 40 years...

It may not be perfect for describing the music 'considered' folk
which is not strictly of Trad form and provinence..
But it does ok for most of us / them..

If you absolutely insist we need a new more precise defining name;
you are our much respected 'word wizard' here at Mudcat.

Why don't you come up with one for us that satisfies all your criteria,
then see how far you can get it recognised and adopted
by the greater UK music loving / making / consuming mass population....

I'm sure any word you come up with for us would be a very good 'un !!!