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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

Breathing Space and changes to the FCA Handbook

calendar04 January 2021

The Financial Conduct Authority (FCA) has proposed several minor changes to their rules and guidance to ensure that they do not contradict new legal requirements for debt advisors and consumer credit firms under the Breathing Space scheme regulations which commence in May 2021. CAP has responded to the consultation to support the proposed changes to the consumer credit guidance, but to stress the need for further changes to be kept under review and for some clarifications to be made in the debt advice rules and guidance too.

Read the full document here

Scottish Government’s Digital Strategy

calendar16 December 2020

CAP has responded to the Scottish Government's consultation on its Digital Strategy. We were pleased to see the No one left behind section feature in the strategy and that ensuring everyone has access to the internet is one of the Government’s central aims. However, affordability as a barrier to getting online needs to be considered more significantly in the strategy. CAP’s research shows that many low income households are unable to afford internet access or devices, and therefore this needs to be addressed in the appropriate section.

Read the full document here

CCW’s independent review

calendar09 December 2020

We have responded to CCW's independent review of affordability support for financially vulnerable water customers in England and Wales. In our response we called for greater consistency across water suppliers and highlighted the problems with the current funding method. CAP would also like to see greater collaboration between water suppliers and the debt advice sector, as well as improved joint working between Affordability and Debt Management teams internally. 

Read the full document here

Taking Control briefing

calendar30 November 2020

The Taking Control campaign has published a briefing on enforcement agent activity following Coronavirus suspension. The briefing builds the case for the Government to legislate the ban of entry/visits to households in tier 2 or 3 areas. The paper also contains case studies of agent misconduct; including misrepresentation of powers, acting aggressively or ignoring vulnerabilities. CAP is part of the campaigning group, and joins the voices asking for an independent regulator in the sector.

Read the full document here

Spending Review 2020

calendar25 November 2020

Today the Chancellor set out his hotly anticipated Spending Review. Once intended to be a wide ranging review of government spending in support of the levelling up agenda, today’s announcement instead centered on steadying the economy and public services through the ongoing coronavirus pandemic. The Chancellor said his immediate priority was to protect people’s lives and livelihoods, deliver stronger public services and invest in infrastructure. This included a modest increase to the National Living Wage and pay rise worth £250 for low paid public sector workers. 

At CAP, we welcomed this support but are disappointed that the Chancellor did not do more to smooth the road ahead for those already living in poverty. People across the UK are worried about the ongoing and uncertain impact the crisis will have on their personal finances, with 5.6 million estimated to already be struggling to afford essentials. Today was a missed opportunity to shore up the incomes of families who need extra support. We are urging ministers to make the Universal Credit £20 a week uplift permanent, further extending it to those on legacy benefits. This would make a massive difference to many families, give them peace of mind going into winter and offer them a lifeline during the pandemic recovery.

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Other and previous reports:

Simplify the Solution A dark place Unlocking a new start Stacked against report 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 2020 Client Report 2019 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