News

‘Financial inclusion’ should help people withstand financial shocks, not deepen them. Yet the current agenda focuses overwhelmingly on increasing access to credit per se, rather than on credit that people can genuinely afford.

Dr Ana Rita Pena looks at the emerging direction of the Warm Homes Fund following the Government’s recent call for evidence. To work for lower-to-middle income households, Innovative Finance models need to reduce risk, build in trusted advice, and connect to wider delivery models such as property-linked finance and neighbourhood-based schemes.

How the Centre for Responsible Credit supports better services, stronger evidence and policy reform

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.