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Policy and Government

At CAP we don’t want to just treat the symptoms of poverty; we also want to address the causes. That’s why we’re working tirelessly behind the scenes to shape and influence the policies that affect our clients. It means we get to speak on behalf of the vulnerable to the people with the power to change their lives. And our voice is growing louder.

Industry professionals seek our opinion on current issues, and our recommendations get heard in Parliament. Change is happening. Below are some of the ways in which we are fighting for justice amongst the country’s key decision-makers.

New Client Report published

calendar14 June 2017

The latest CAP Client Report is now available to download. It brings together 1,217 responses from our annual client survey, alongside other CAP data. It explores the consequences of poverty, as well as the multiple complex needs that often come hand in hand with debt, unemployment or addiction. The report highlights the importance of partnership and exemplifies how creditors, referral agents, frontline staff and the local Church can all work with CAP to tackle poverty in the UK.

For the first time, the Client Report includes CAP Life Skills, CAP’s newest service. Run as a community group meeting each week, CAP Life Skills looks at the wider issues surrounding money management. This includes relationships, health and wellbeing and organisational skills. CAP Life Skills was officially launched in March 2017, after an 18-month pilot.

Read the report here.

CAP receives FCA authorisation

calendar01 June 2017

Christians Against Poverty (CAP) has been granted full authorisation by the Financial Conduct Authority (FCA). The FCA took over from the Office of Fair Trading in 2014 and was given significant powers to regulate more than 50,000 consumer credit firms. Debt advice is a regulated activity and this authorisation allows CAP to continue to provide top-quality debt help to those burdened by debt across the UK.

As the news was announced, CAP’s CEO Matt Barlow said, ‘We fully support the FCA in its mission to ensure best practice in the industry on behalf of the consumer. It has long been our goal to offer the very best service to some of the most vulnerable in our society and therefore I’m delighted that the FCA has given us this official authorisation.’

Offline and shut out

calendar18 May 2017

CAP’s latest briefing exposes the extent of digital exclusion amongst CAP clients. One in five (22%) do not have internet access at home or on a smartphone, more than twice the national average. In an increasingly digital landscape, being offline puts millions at a disadvantage in their day-to-day interactions with financial and essential public services. These findings show the continued importance of offline channels, and are extremely relevant in the context of Universal Credit roll-out, energy switching discussions and increasingly digital financial services.

Read more here.

Debt solutions in the UK - opportunities for change

calendar31 March 2017

CAP has responded to the Money Advice Service’s (MAS) latest consultation, which seeks to improve the availability, quality and consistency of debt advice across the UK. The consultation looked at 24 opportunities for change, such as creditor behaviour, gaps in provision and bankruptcy. We believe that greater fairness in government debt collection should be a top priority, as well as opportunities concerning bankruptcy. Action is needed to ensure those with no assets and low incomes can access a debt solution without the cost trapping them in debt. Read our full response below.

Read the full document here

CAP joins vulnerability panel at Credit Summit

calendar30 March 2017

Dawn Stobart, Director of External Affairs, sat on the Vulnerable Customers panel at Credit Summit in March. Credit Summit is the UK’s largest daytime event for the credit industry. The panel included representatives from Nationwide, Dollar UK, Money Advice Trust and Target Group, as well as vulnerability specialist Chris Fitch. They discussed topics including defining vulnerability, current strategies for improved customer journeys, as well as best practice for communication and engagement. The panel discussion was well received, with many people acknowledging CAP’s work within the credit industry.

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Previous reports:

Client report 2015 Client report 2014 Client report 2013

Introducing CAP's External Affairs team

Meet the team representing CAP and building relationships in the credit and debt advice industries, as well as the third sector and with the Government:

Dawn Stobart
Director of Debt Management & External Relations

Helen Webb
External Relations Manager

Rachel Gregory
External Relations Analyst

Daniel Kelly
Creditor Relations Manager

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