We're recruiting new Trustees to help develop our strategic vision and priorities for the next three years. Read more about the role, and how you can express an interest here.

The regulation of Buy Now Pay Later is a long time coming. In the meantime, lenders in this sector haven’t been making any contribution to the funding of debt advice. It's time for #BuyNowToPayNow

Following the Chancellor's Mansion House speech there have been calls for the FCA to review its creditworthiness and affordability rules. In this blog, we argue these regulations are not the reason why fewer low income households have been able to access credit in recent years. Those calling for a watering down of consumer protections are ignoring the wider context of the cost-of-living crisis which has made consumer credit less affordable.

The stock of outstanding consumer credit is at an all-time high. But relative to gross household incomes the ratio is falling. In this blog we take a deep dive into the data, highlighting why aggregate measures are misleading, and reporting on the shocking severity of the consumer credit debt burden being experienced by low income households.