Find a list of publications from our work on high-cost credit.
|
Topic |
Intervention |
Key publication |
|---|---|---|
|
HCSTC |
Introduction and review of price cap |
|
|
Credit broking |
Restrictions on the charging of fees for credit broking |
|
|
Price comparison websites |
Rules for price comparison websites comparing HCSTC products |
|
|
Debt management |
Thematic review of debt management sector |
|
|
Credit Card Market Study |
Credit card market study leading to measure for addressing credit card persistent debt |
|
|
Home-collected credit* |
Restrictions on how repeat borrowing is initiated with stronger requirements on disclosure |
Page 12, CP18/43 |
|
Catalogue credit and store cards* |
Improved disclosure and stronger protections for consumers with long-term debt |
Page 29, CP18/43 |
|
Rent-To-Own (RTO)* |
Price cap to control both the cost of product and the charge for credit. Ban on point of sale RTO extended warranties. |
|
|
Buy Now Pay Later (BNPL)* |
Banned the backdating of interest for partial repayments; improved disclosure |
|
|
Overdrafts* |
Simplified pricing and increased transparency, making overdrafts fairer and easier to manage |
|
|
Creditworthiness |
Clearer rules on assessing creditworthiness |
|
|
Motor Finance |
Review of the largest motor finance providers |
|
|
Credit Information Market Study |
New market study |
|
|
CCA Review |
Report to HM Treasury following a review of retained provisions |
|
|
Alternatives to high-cost credit* |
Report on lower-cost credit and non-credit alternatives |
* These publications are linked to the High-cost Credit Review (HCCR). The review also produced the following other documents: