Credit and low income consumers

Low-income households are among the most vulnerable to problem debt and difficulties arising from the use of credit. They have been a key focus of policy on credit over the last decade and of the various reviews of the credit market and regulatory regime being undertaken by the current Government. This report aims to bring a consumer perspective, an understanding of the dynamics of the demand landscape and a robust evidence base to the public and regulatory debate. (Friends Provident Foundation,2011)

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