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.

Latest updates

CAP responds to Ofcom’s consultation

calendar20 November 2019

CAP welcomed the opportunity to respond to Ofcom's consultation on Treating vulnerable consumers fairly. This proposed guide was a great step towards better treatment of vulnerable customers, however, CAP is concerned that because it is only a proposed guide, it will be too light touch to see significant changes in the communications industry. 

Read the full document here

CAP’s response to Northern Ireland’s Utility Regulator call for evidence

calendar06 November 2019

We are pleased to respond to this Consumer Protection Programme call for evidence for the Utility Regulator. Our response gives examples of some of the best practice CAP has seen across Great Britain for the fair treatment of vulnerable customers, particularly within the elecrtic, gas and water industries. We look forward to seeing which priorities the Utility Regulator decides to take forward. To read our full response, please click below. 

Read the full document here

Unlocking a new start

calendar23 October 2019

CAP has released a new briefing paper, Unlocking a new start. The paper explores why insolvency alone does not always provide a new start for people in severe financial difficulty. With 130,000 people pursuing an insolvency solution each year, there needs to be more action to address the root causes of debt – in particular the amount of support available to help meeting rental costs. To read more click here

Read the full document here

Ending the poverty premium

calendar08 October 2019

With a potential election looming, CAP has joined forces with Fair by Design, StepChange and a group of other think tanks and charities to back a set of manifesto asks to end the poverty premium. Fair by Design is a movement dedicated to ending the extra costs of being poor faced by ten million people in the UK. The recommendations span credit, energy, insurance and government debt collection. Read more here.

CAP’s response to the FCA consultation on its Guidance for firms on the fair treatment of vulnerable customers

calendar03 October 2019

We are pleased to be able to respond to this important consultation from the FCA, which is detailed and thorough, with helpful case studies sharing good and bad practice. However, the main concern CAP has with this draft Guidance was its status as non-Handbook guidance. If universally adopted and implemented well, the recommendations within the Guidance would see a substantial improvement on the treatment of vulnerable customers.

Read the full document here
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Other and previous reports:

Unlocking a new start Checking in Powerless People The Freedom Report Never just a number The case for fairshare Setting the pace Offline and shut out The poor pay more Client Report 2018 Client report 2016 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 External Affairs

Rachel Gregory
Social Policy Manager

Kiri Saunders
Relationship Manager

Jonathan Shaw
Creditor Relationship Manager

Paul Walmsley
Energy Relationship Manager

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