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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.

Proposed changes to the FCA’s rules and guidance on consumer credit

calendar06 May 2015

As part of their on-going regulation of the credit industry, the FCA regularly consults on various changes to the consumer credit rules and guidance. We have inputted our views into their most recent consultation about credit brokers, lending issues and debt advice. Read CAP’s submission below.

Read the full document here

TV licence enforcement review

calendar01 May 2015

The Department for Culture, Media and Sport are re-examining the enforcement regime for TV licence evaders. We are concerned that the current criminal offence penalises people struggling with financial difficulties and have responded to their consultation to support enforcement through a civil debt instead. Read CAP’s submission below. 

Read the full document here

Improving the Financial Health of the Nation

calendar11 March 2015

Today the Financial Inclusion Commission has published their recommendations to tackle financial exclusion in the UK. By 2020, the aim is to have every adult in the UK  connected to the banking system, able to save, with access to affordable credit and financial education. Read CAP’s submission to the review below:

Read the full document here

The poor pay more

calendar24 February 2015

Low income households with pre-payment energy meters are suffering twice as much fuel poverty. Instead of being able to access the best online deals, the poorest are forced into paying sometimes hundreds more on energy every year. Read our full report here.

Read the full document here

New financial rehab regulations laid in Scottish Parliament

calendar20 February 2015

Yesterday, the tools that will be used to implement the changes to the Scottish personal bankruptcy regime announced last year were presented to the Scottish Parliament. As part of this, debtors will be allowed a 'contingency allowance’ when calculating the payment they will make to their creditors. This will act as a safety-net in emergencies, giving debtors access to a small amount of savings. We welcome these changes and agree that they will promote financial rehabilitation and life-long saving. CAP already encourages all our clients to save and have found this hugely successful, with our research showing 96% of our clients who become debt free stay debt free.

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Other and previous reports:

The case for fairshare Setting the pace 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

Helen Webb
External Affairs Manager

Rachel Gregory
Social Policy and Relationship Manager

Daniel Kelly
Creditor Engagement Manager

Kiri Saunders
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