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Centre for
Responsible Credit
Changing credit for good & improving support for people with debts.
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Latest News and Views
NEWS
Regulating for growth, or (de)regulatory sludge?
Calls for deregulation are ignoring the lessons of the past. In this blog we draw on our recent response to the FCA and FOS joint call for input concerning 'mass redress' events to highlight how a lack of clear rules and (de)regulatory 'sludge' combine to cause widespread consumer harm. We need better regulation not deregulation to support 'growth without consumer exploitation'.
Feb 11, 2025
5
min read
News
News
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OUR WORK IN NUMBERS
150
Million pounds per year saved for 760,000 payday loan borrowers since 2015 due to our successful campaign to cap the total cost of credit.
1,200,000
Over 1.2 million pounds of additional benefits and debt reductions for users of our Financial Shield project in Lambeth and Southwark
500
+ front-line debt advisers now active in our campaign to save face to face debt services from cuts.
Latest Reports and Upcoming Events
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REPORT
upcoming event
Insights from the FlexMyRent trial
Join us for this free event at the University of Nottingham on the morning of 19th March to hear about our trial of flexible rent payments for low-income tenants, including the insights it provides for credit risk assessment.
Download ReportBUY NOWInsights from the FlexMyRent trial
University of Nottingham
Join us for this free event at the University of Nottingham on the morning of 19th March to hear about our trial of flexible rent payments for low-income tenants, including the insights it provides for credit risk assessment.
BUY NOWDownload ReportREPORT
upcoming event
Ofgem's proposed debt relief scheme: CfRC and Debt Justice response
The Centre for Responsible Credit and Debt Justice have provided a joint response to Ofgem's consultation concerning a debt relief scheme. With energy debts now around £4 billion and no prospect of the affordability crisis abating, we call on Ofgem to be radical and accompany its debt relief scheme with the introduction of social tariffs and discounts.
Download ReportBUY NOWOfgem's proposed debt relief scheme: CfRC and Debt Justice response
The Centre for Responsible Credit and Debt Justice have provided a joint response to Ofgem's consultation concerning a debt relief scheme. With energy debts now around £4 billion and no prospect of the affordability crisis abating, we call on Ofgem to be radical and accompany its debt relief scheme with the introduction of social tariffs and discounts.
BUY NOWDownload ReportREPORT
upcoming event
FlexMyRent Independent Evaluation
CfRC's innovative FlexMyRent trial with Southern Housing explored how providing rent flexibility could help their tenants better manage cashflow pressures throughout the year without needing to take out interest-bearing credit. This independent evaluation, provided by IFF Research, found high levels of tenant satisfaction with the scheme, and a near 75% success rate for payment plans despite increased cost-of-living pressures during the trial.
Download ReportBUY NOWFlexMyRent Independent Evaluation
CfRC's innovative FlexMyRent trial with Southern Housing explored how providing rent flexibility could help their tenants better manage cashflow pressures throughout the year without needing to take out interest-bearing credit. This independent evaluation, provided by IFF Research, found high levels of tenant satisfaction with the scheme, and a near 75% success rate for payment plans despite increased cost-of-living pressures during the trial.
BUY NOWDownload Report
