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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.

Price comparison websites for payday lenders

calendar27 January 2016

Last year, the Competition and Markets Authority (CMA) reviewed price comparison websites (PCW) for high-cost short-term credit products and set out recommendations to make them more effective. The FCA is considering how to put the recommendations for them into practice and CAP has responded to broadly support the proposed changes and provide insights from our 19 years experience working with people in unmanageable debt. Read our full response below.

Read the full document here

Financial education for young people: call for evidence

calendar21 January 2016

A cross-party group of MPs are conducting an inquiry into the impact and effectiveness of financial education in schools across the UK. Hundreds of CAP's volunteers are equipped to run financial education sessions in primary and secondary schools. Read our official response to the call for evidence below, which reinforces the importance of financial education for children and young people and shares our insights from running CAP Money Kids, CAP Money Youth and CAP Money Students  

Read the full document here

Credit card market study: interim report

calendar08 January 2016

The Financial Conduct Authority (FCA) has published their interim report into the credit card market. They have concluded that competition seems to be working well for most consumers and are now turning their focus to vulnerable customers and those in financial difficulty. Read our comments on the interim report and proposed remedies, which welcomes the recognition of many of the concerns we raised in our response to the credit card market study’s terms of reference and stresses the support those in financial difficulty need.

Read the full document here

Financial Advice Market Review (FAMR)

calendar22 December 2015

HM Treasury and the Financial Conduct Authority (FCA) are conducting a joint review to look at how financial advice could work better for consumers. Our greatest concern is the lack of affordable, independent financial advice available to those who are considering whether to release assets to repay their debts. Read our response to the call for input which calls for comprehensive provision of financial advice for all consumers, especially to meet the needs of those who are poor and vulnerable.

Read the full document here

Siobhain McDonagh MP tables Early Day Motion

calendar14 December 2015

MP for Mitcham and Morden, Siobhain McDonagh, has tabled an Early Day Motion (EDM) in support of The poor pay more. An EDM is a formal motion to draw attention to a cause and MPs sign to show their support. So far 24 MPs have signed EDM 865 ‘Christians Against Poverty Report on Prepayment Meters’.

Take a look here.

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Other and previous reports:

The case for fairshare Setting the pace 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

Helen Webb
External Affairs Manager

Rachel Gregory
External Affairs Analyst

Daniel Kelly
Creditor Relations Analyst

Kiri Saunders
External Affairs team

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