The Centre for Responsible Credit has taken a keen interest in the development of the UK’s regulatory approach to high cost credit markets for a number of years. In October 2010, we published a review of the policy debate and international approaches to regulation. This was then followed by an assessment of the Consumer Finance Association’s Code of Practice for payday lenders published in July 2011, and a policy seminar and briefing to discuss the trends in payday lending regulation in the UK, US, Canada, and Australia in November 2011.
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