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The Banking Gap: How payday lenders can support and mainstream the financially excluded

3rd April 2014
  • ResPublica

Advisory group discussion with Mark Garnier MP, Parliamentary Commission on Banking Standards and Tim Wallace, Banking and Regulation Editor, City AM

This is a private roundtable discussion in support of a ResPublica research project.

In light of current proposals for regulation from the Chancellor, the Department for Business, Innovation and Skills, as well as from the Financial Conduct Authority, ResPublica will be conducting an in-depth programme of research to explore the ‘banking gap’ and propose new mechanisms to address the issue.

Throughout the research, we will examine various ways in which we could establish a new culture of lending, and make recommendations on how we can move to a system that rewards responsible borrowers and bridges the current gap in financial service provision. It is the key aim of this research project to establish how a responsive regulatory system, working in collaboration with the sector, could promote the short-term lenders we need and support the delivery of holistic financial solutions.

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