%T Credit and hardship: report of the Senate inquiry into credit and financial products targeted at Australians at risk of financial hardship %I Parliament of Australia %D 2019 %K Financial services industry, %K Consumer credit, %K Fair trading regulation, %K Low-income consumers, %K Misconduct in the banking superannuation and financial services industry, %K Payday lending, %K Royal Commissions, %K Consumer protection %U https://apo.org.au/node/221416 %X The intractable maths of low income earners' family budgets pushes them towards the marginal credit products such as payday loans, consumer leases and debt management firms. This report argues that government can and should improve the terms under which these products are offered. %9 Report %A Senate Economics References Committee