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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.

Latest updates

CAP’s response to Ofgem’s consultation

calendar01 July 2020

CAP has responded to Ofgem's consultation on protecting energy customers on prepayment meters. It is clear that now more than ever customers need protection, and Covid-19 will have a lasting impact on household finances. In our response we have highlighted some of our concerns around Ofgem's plans to combine the prepayment tariffs, particularly as this does look to create a poverty premium for many low income customers. Those who are disengaged with the marketplace are more likely to suffer the most, and few will truly benefit from the changes being proposed. We'd like Ofgem to really look again at this group of customers and make sure they get the best possible outcomes.

Read the full document here

Life in lockdown: CAP clients’ experiences

calendar26 May 2020

Living on a low income and in debt is difficult at the best of times. Two months into the UK lockdown, this paper gives an insight into what this experience has been like for people living poverty. Finances are under pressure because of higher living costs, more people are experiencing income shocks and digital exclusion leave people more isolated than ever. Read more at the link below. 

Read the full document here

APPG on Loneliness inquiry

calendar07 May 2020

One in five people across the UK always or often feel lonely. At CAP, we are all too aware of how isolating and lonely living in problem debt often feels. Seven in ten (71%) of the people we help say that debt made them feel lonely or socially isolated. The All-Party Parliamentary Group on Loneliness, of which CAP is a member, invited views on how loneliness and its underlying causes can be tackled. Follow the link below to read our response. 

Read the full document here

Coronavirus outbreak: CAP’s policy priorities

calendar21 April 2020

In the wake of the coronavirus outbreak, the Government has acted quickly to shore up the support available to anchor people financially in tough times. People already locked in poverty face the starkest challenges. We need to all pull together and ensure no one is forgotten. We are calling on the government to act now to help people in poverty keep their heads above water during the pandemic.

Read our full policy statement here.

Read the full document here

CAP’s response to the Financial Conduct Authority’s consultation

calendar20 April 2020

CAP is pleased to respond to the FCA's latest proposed package of measures for motor finance and high-cost credit agreements. In particular CAP welcomes the speed and increased span of these measures, helping to build in safeguards for people with motor finance and high-cost credit agreements. However, we wanted to see more provision for people with high-cost short-term credit loans, as the one month interest freeze is not a sufficient period to help all customers regain control of their finances. CAP also called for more clarity for what firms are expected to do once these protective measures have ended, in three month's time. To read CAP's full response, please click below. 

Read the full document here
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Other and previous reports:

Unlocking a new start Client Report 2019 Left destitute by debt 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:

Rachel Gregory
Social Policy Manager

Kiri Saunders
Relationship Manager

Jonathan Shaw
Creditor Relationship Manager

Paul Walmsley
Energy Relationship Manager

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