As the affordability crisis deepens, too many households are relying on credit to meet basic needs, often with harmful consequences. In this blog, we set out the principles and priorities that will guide our work to reshape credit and debt systems—so they support financial stability, fairness, and long-term wellbeing, rather than entrenching insecurity. No single organisation can deliver this change alone. We’re inviting policymakers, funders, lenders, and practitioners to work with us to test, refine, and scale solutions that can reshape credit and support systems for the better.