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Centre for
Responsible Credit
Changing credit for good & improving support for people with debts.
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Latest News and Views
NEWS
Data Driven Credit, Opaque Decisions and the Need for Accountability
Following his recent appointment to the Credit Information Governance Body (CIGB) Consumer Council, CfRC's Chief Executive, Damon Gibbons, reflects on why increasingly data‑driven credit decisions remain opaque — and why stronger accountability is now essential if affordability is to protect consumers in practice.
Apr 30, 2026
6
min read
News
News
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OUR WORK IN NUMBERS
150
Million pounds per year saved for 760,000 payday loan borrowers since 2015 due to our successful campaign to cap the total cost of credit.
1,200,000
Over 1.2 million pounds of additional benefits and debt reductions for users of our Financial Shield project in Lambeth and Southwark
500
+ front-line debt advisers now active in our campaign to save face to face debt services from cuts.
Latest Reports and Upcoming Events
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REPORT
upcoming event
The Financial Inclusion Strategy: Response to Treasury Committee Call for Evidence
CfRC response to the Treasury Committee's Call for Evidence regarding the Government's Financial Inclusion Strategy
Download ReportBUY NOWThe Financial Inclusion Strategy: Response to Treasury Committee Call for Evidence
CfRC response to the Treasury Committee's Call for Evidence regarding the Government's Financial Inclusion Strategy
BUY NOWDownload ReportREPORT
upcoming event
Good Score, Empty Cupboard
Many low-to-middle income households see maintaining a “good” credit score as vital, often sacrificing essentials to protect it. Credit score apps and dashboards can amplify this pressure. A survey of 3,400 households and 30 interviews shows credit score dashboards can often encourage overborrowing and deter help-seeking. The cost-of-living crisis has exposed a credit reporting system favouring lender interests over borrower welfare and reform is urgently needed.
Download ReportBUY NOWGood Score, Empty Cupboard
Many low-to-middle income households see maintaining a “good” credit score as vital, often sacrificing essentials to protect it. Credit score apps and dashboards can amplify this pressure. A survey of 3,400 households and 30 interviews shows credit score dashboards can often encourage overborrowing and deter help-seeking. The cost-of-living crisis has exposed a credit reporting system favouring lender interests over borrower welfare and reform is urgently needed.
BUY NOWDownload ReportREPORT
upcoming event
Impact and insights from the Financial Shield project
Financial Shield, a pioneering pilot embedding financial advice in GP surgeries in South London, has shown how easing financial pressures can improve health and free up vital resources for the NHS. The findings come as the Government’s 10-Year Health Plan promises to integrate debt support into new Neighbourhood Health Services. This means local health commissioners shifting resources to deliver a more holistic focus on health equity, and prevention.
Download ReportBUY NOWImpact and insights from the Financial Shield project
Financial Shield, a pioneering pilot embedding financial advice in GP surgeries in South London, has shown how easing financial pressures can improve health and free up vital resources for the NHS. The findings come as the Government’s 10-Year Health Plan promises to integrate debt support into new Neighbourhood Health Services. This means local health commissioners shifting resources to deliver a more holistic focus on health equity, and prevention.
BUY NOWDownload Report
