Author Archives: admin

A new Renters and Leaseholders Protection Agency (RLPA)

Today (14th July 2016), The Financial Inclusion Centre publishes a pamphlet calling for the creation of a Renters and Leaseholders Protection Agency (RLPA) to protect renters and leaseholders from unfair, abusive practices and to help raise the quality of homes … Continue reading

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Encouraging savers, supporting the overindebted

Today, The Financial Inclusion Centre and partners published a new report, Britain’s debt, how much is too much?, commissioned by the ACCA. The report examines household financial resilience, its links with household income, credit use and overindebtedness with a focus … Continue reading

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Better and Brighter-Responsible Rent to Own Alternatives

Today, The Financial Inclusion Centre publishes a new report into the Rent to Own (RTO) sector. Over 400,000 households, almost exclusively on low incomes and reliant to some degree on benefits, take out expensive credit to spread the cost of purchasing … Continue reading

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What has the EU ever done for us? The EU referendum and consumers

UK citizens have gained much from a huge range of consumer and social protection measures introduced through, or influenced by, EU legislation and regulations[1]. Consumer protection measures can be found across a wide range of markets including financial services, food, … Continue reading

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The ‘Financial Advice Gap’ – it’s the economics, stupid

HM Treasury and the Financial Conduct Authority (FCA) have recently launched the Financial Advice Market Review (FAMR)[1] to address the so-called ‘financial advice gap’ in the UK – concerns that large numbers of consumers do not have access to good … Continue reading

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London Social Housing Bond

We recognise at the Financial Inclusion Centre that London isn’t the only region in the UK facing a housing crisis. But, for a number of reasons, the crisis does seem particularly acute in London and requires special interventions. We take the view … Continue reading

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Financial Services Priorities – 2015 and beyond

We have spent the first weeks of the New Year undertaking a stocktake of the critical policy issues in financial services to help us plan our work and target our campaigning activities. Below we summarise what we think are the … Continue reading

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Performance of Uk and OECD pension funds – briefing paper

The investment returns achieved by pension funds are critical. Underperformance affects the retirement incomes of savers, affects the levels of contributions required by employers, employees, the state and other savers, and has other wider externality costs for the real economy. … Continue reading

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Payday Lending: fixing a broken market

Sponsored by the ACCA, the objectives of the report were to: develop a detailed understanding of the business models underpinning UK payday lending; inform the debate about the level and structure of the new charge cap; and examine which other … Continue reading

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Developing new partnership approaches between Credit Unions and Social Housing Provider

With social housing residents already far more likely to be marginalised from mainstream financial services and continuing to experience financial difficulties in this tough economic environment, social housing providers are implementing a raft of financial inclusion initiatives.    Most social landlords … Continue reading

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