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Introductory Comments Thank you for the opportunity to be involved in the Financial Conduct Authority (FCA) consultation on payday lending. We are researchers working on FinCris, an Arts and Humanities Research Council (AHRC) project focused on 'Ethics, Responsibilities and the Financial Crisis'. There are three streams related to this grant – economics,(More)
Foreword by the Chair of the Commission The University of Birmingham Policy Commission on the Distribution of Wealth focuses on inequalities of wealth, rather than of income. We report at a time of global economic uncertainty, with a crisis of confidence in those once-staid guardians of wealth, banks and governments. At the same time there are springing up(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)
With the 2015 General Election on the horizon, public attitudes to taxation are of increasing importance. And while a combination of economic recession and government austerity packages are reducing the incomes of millions in the UK (Rowlingson and McKay 2014) the continuing concentration of great wealth among a small minority (Piketty 2014) shines the(More)
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