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  1. Occasional Paper No. 43: Weighing anchor on credit card debt

    Occasional papers Published: 26/07/2018 Last modified: 26/07/2018
    The key findings from this research paper on credit cards are summarised in the FCA Research Note Helping credit card users repay their debt: a summary of experimental research designed for a broad readership and also covering companion papers Occasional Papers Nos. 42, 44 and 45.
  2. Occasional Paper No. 45: The semblance of success in nudging consumers to pay down credit card debt

    Occasional papers Published: 26/07/2018 Last modified: 26/07/2018
    The key findings from this research paper on credit cards are summarised in the FCA Research Note Helping credit card users repay their debt: a summary of experimental research designed for a broad readership and also covering companion papers Occasional Papers Nos. 42, 43 and 44.
  3. Occasional Paper No. 44: The conflict between consumer intentions, beliefs and actions to pay down credit card debt

    Occasional papers Published: 26/07/2018 Last modified: 26/07/2018
    The key findings from this research paper on credit cards are summarised in the FCA Research Note Helping credit card users repay their debt: a summary of experimental research designed for a broad readership and also covering companion papers Occasional Papers Nos. 42, 43 and 45.
  4. Occasional Paper No. 42: Increasing credit card payments using choice architecture: The case of anchors and prompts

    Occasional papers Published: 26/07/2018 Last modified: 26/07/2018
    The key findings from this research paper on credit cards are summarised in the FCA Research Note Helping credit card users repay their debt: a summary of experimental research designed for a broad readership and also covering companion papers Occasional Papers Nos. 43, 44 and 45.
  5. Occasional Paper No. 41: Price discrimination in the cash savings market: One rate, one solution? [pdf]

    Occasional papers Published: 25/07/2018
  6. Occasional Paper No. 41: Price discrimination in the cash savings market: One rate, one solution?

    Occasional papers Published: 25/07/2018 Last modified: 27/07/2018
    The Cash Savings Market Study found that the cash savings market is not working effectively for many consumers. Significant amounts of easy access cash savings sit in accounts that were opened a long time ago, earning lower interest rates than those
  7. Occasional paper no.40: Time to act: A field experiment on overdraft alerts [pdf]

    Occasional papers Published: 24/07/2018
  8. Occasional Paper No. 39: Estimating the benefits of interventions that affect consumer behaviour [pdf]

    Occasional papers Published: 24/07/2018
  9. Occasional Paper No. 39: Estimating the benefits of interventions that affect consumer behaviour

    Occasional papers Published: 24/07/2018 Last modified: 27/07/2018
    The aim of this Occasional Paper is to help us estimate the benefits of our interventions, while recognising the challenges. Occasional Paper No. 39 (PDF). In retail financial markets, given the complexity of products, a lack of complete and
  10. Occasional paper No.40: Time to act: A field experiment on overdraft alerts

    Occasional papers Published: 24/07/2018 Last modified: 24/07/2018
    As part of the high-cost credit review, the FCA wanted to understand the impact of automatically enrolling customers into just-in-time arranged overdraft alerts and early warning alerts for overdrafts and unpaid items.