Publications in: Consumer Finance
Funding Debt Advice in the UK – A Proposed Model
| Published: | January, 2012 |
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The Money Advice Service (MAS) commissioned London Economics to examine how the costs of debt advice work undertaken by MAS could be allocated across a spectrum of creditors, whilst also considering the allocation of the debt advice costs within the current FSA fee blocks. The study concludes that Bank of England data on lending to […]
Economic Outlook: How is the Current Financial and Economic Situation Affecting Consumers, Debtors and Creditors
| Published: | December, 2011 |
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This analysis by London Economics offers new insights into the current economic crisis. Key economic indicators suggest recovery long way off. In previous UK recessions, output recovered relatively quickly after modest falls. This recession is deeper and longer lasting that previous recessions, with no recovery in sight. Growth between 2005 and 2008 was driven by […]
Basic Banking Services
| Published: | December, 2011 |
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This briefing paper examines the current state of play in the access to basic banking services, as well as the expected benefits of providing such access for citizens as well as for cross-border trade, in particular e-commerce. It also identifies the banking services that would ideally be covered by any initiative and the main hurdles […]
Study on the Costs and Benefits of Different Policy Options for Mortgage Credit
| Published: | March, 2011 |
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The costs and benefits of potential changes in the following four mortgage policy areas are considered in the study, which was published by the European Commission on 31 March 2011: pre-contractual information, the definition of the annual percentage rate of charge, early repayment and responsible lending and borrowing. The approach to assessing the costs and […]