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The UK government has recently announced that the FCA (Financial Conduct Authority) must introduce some limitation on the cost of credit by January 2015. It has cited Australia as an example of a country where such a cap works well. However, Australia only implemented its interest rate cap in July 2013 and there has been no systematic evaluation of its… (More)
permits unrestricted re-use, distribution, and reproduction in any medium, provided the original work is properly cited. Abstract Concern about the increasing use of payday lending led the UK's Financial Conduct Authority to introduce landmark reforms in 2014/15. While these reforms have generally been welcomed as a way of curbing 'extortionate' and… (More)