The confirmed ‘fit and proper’ criteria outlined in this response report focus on whether all directors and senior managers of lenders and mobile traders are competent, financially sound, honest, reputable, reliable and competent to do the job.

Technology can unlock further, much-needed support for people in the community who are struggling to get by, but it needs to be targetted in the right place. Nesta believes that partnerships can be part of the solution to support those financially excluded in UK society.

This paper considers interest rate caps, what is known about their use and impact in other jurisdictions, and how might they contribute to a fairer consumer credit regime in New Zealand.

Financial hardship can affect almost anyone. However, severe and ongoing debt problems are an inevitability for Australians whose incomes are simply too low to meet the cost of living.

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.

This report focuses on a number of key issues in the current consumer protection system. The list of key issues is not intended to be comprehensive; rather, the report provides a 'snapshot' of concerns raised in evidence about consumer protections, or the lack thereof, in...

The credit card market offers consumers a wide range of options when choosing a card. While many factors may influence this choice, this paper focuses on the main financial costs and benefits of holding a credit card.

The Australian Energy Market Commission (AEMC) has made a draft rule to help customers who are having trouble paying their bills due to hardship. The rule aims to improve retailers’ hardship policies so customers can better understand their rights and get the help they need...

This consultation paper is for Australian credit licensees that are credit providers or that provide credit assistance, as well as other interested parties. It seeks feedback on proposals for the prescribed period to be used when assessing whether a credit card contract or credit limit...

This report discusses the findings from ASIC’s review of credit card lending in Australia between 2012 and 2017. In particular, it looks at consumer debt outcomes over this period, the effect of balance transfers, and the operation of key reforms for credit cards that commenced...