Summary of key publications

Find a list of publications from our work on high-cost credit. 

TopicInterventionKey publication
HCSTCIntroduction and review of price capPS14/16[1] and FS17/2[2]
Credit brokingRestrictions on the charging of fees for credit brokingPS14/18[3] and PS15/23[4]
Price comparison websitesRules for price comparison websites comparing HCSTC productsPS16/15[5]
Debt managementThematic review of debt management sectorTR15/8[6] and TR19/1[7]
Credit Card Market StudyCredit card market study leading to measure for addressing credit card persistent debtMS14/6[8] and PS18/4[9]
Home-collected credit*Restrictions on how repeat borrowing is initiated with stronger requirements on disclosurePage 12, CP18/43[10]
Catalogue credit and store cards*Improved disclosure and stronger protections for consumers with long-term debtPage 29, CP18/43[10]
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.PS19/6[11] and CP18/35[12]
Buy Now Pay Later (BNPL)*Banned the backdating of interest for partial repayments; improved disclosurePS19/17[13]
Overdrafts*Simplified pricing and increased transparency, making overdrafts fairer and easier to managePS19/16[14], CP18/42[15] and PS19/25[16]
CreditworthinessClearer rules on assessing creditworthinessPS18/19[17]
Motor FinanceReview of the largest motor finance providersFinal report[18]
Credit Information Market StudyNew market studyMS19/1[19]
CCA ReviewReport to HM Treasury following a review of retained provisionsFinal report[20]
Alternatives to high-cost credit*Report on lower-cost credit and non-credit alternativesReport[21]

* These publications are linked to the High-cost Credit Review (HCCR). The review also produced the following other documents:

: System update No changes to content.
: Link changed Updating internal links
: Editorial amendment page update as part of website refresh
First published: Last updated: 17/12/2025 See all updates

High-cost credit and consumer credit[26]

High-cost short-term credit[27]
Credit broking, debt management and price comparison websites[28]
Credit Card Market Study[29]
High-cost credit review[30]
Other interventions[31]
Ongoing work in the consumer credit sector[32]
Summary of key publications[33]

Source URL: https://www.fca.org.uk/firms/high-cost-credit-and-consumer-credit/summary-key-publications

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