Capping Credit Costs

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Taking on the Moneylenders: Lessons from Japan

In 2012 we undertook a study tour to Japan and investigated the impact of their measures to cap the cost of credit and prevent irresponsible lending. Our report highlights the positive effects of these measures, and drew out the implications for the UK.

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Mitigating the Consequences of Rising Household Debt

In October 2019, we were commissioned by The Commonwealth to review international approaches to deal with rising household debt. This led to a discussion paper which we presented to Commonwealth Central Bankers at the IMF/World Bank event in Washington DC.

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A Fresh Start After Covid‑19 - An outline strategy to tackle Britain’s household debt crisis

We need urgent action to address Britain’s household debt crisis. Even before the Covid‑19 pandemic 7.2 million people (fourteen percent of the population) were heavily burdened by debt.