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

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.

The Government’s announcement of an additional £132.5 million of Dormant Assets funding for Fair4All Finance, one and a half times what was expected, offers a glimmer of hope in tackling financial exclusion – against the backdrop of a Financial Inclusion Strategy which has received at best, lukewarm reviews. In this blog, we set out how the new funding could be used to lay the foundations for more strategic and systematic change.