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Responsible Lending


What does good relending look like?

The Financial Conduct Authority ('FCA') is in the final stages of consulting on its proposals for a new Consumer Duty, which focuses on ensuring improved outcomes for users of financial services and products. In this briefing we consider how the proposed duty could help to address long-standing problems associated with ‘relending’ in the UK’s consumer credit markets.

Why we need a fair debt write-down

Even before the Covid 19 pandemic 7.2 million people (fourteen percent of the population) were heavily burdened by debt. It’s time to write down the debt.