Publications
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CP18/20: CP18/20: Loan-based (‘peer-to-peer’) and investment-based crowdfunding platforms: Feedback on our post-implementation review and proposed changes to the regulatory framework [pdf]
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Occasional paper 42: Increasing credit card payments using choice architecture: The case of anchors and prompts [pdf]
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Occasional paper 43: Weighing anchor on credit card debt [pdf]
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Call for Input: PRIIPs Regulation – initial experiences with the new requirements [pdf]
We are seeking input from firms and consumers about their initial experiences of the requirements introduced by the Packaged Retail and Insurance-based Investment Products (PRIIPs) Regulation and the related PRIIPs Regulatory Technical Standards (RTS -
Research note: Addressing redress letters: evidence from a field trial [pdf]
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Occasional Paper No. 43: Weighing anchor on credit card debt
In this study we conduct a hypothetical credit card payment experiment to test an intervention to de-anchor payment choices. -
Research Note: Helping credit card users repay their debt: a summary of experimental research
1 in 4 credit card payments are only at the contractual repayment amount (or just above it). Given the scale of the credit card market this is an important problem -
Occasional Paper No. 42: Increasing credit card payments using choice architecture: The case of anchors and prompts
In this paper we investigate ways to encourage consumers to repay more of their credit card debt. -
Occasional Paper No. 45: The semblance of success in nudging consumers to pay down credit card debt
In this study we study consumer responses to a randomised field experiment on credit card debt repayment. -
Occasional Paper No. 44: The conflict between consumer intentions, beliefs and actions to pay down credit card debt
In this study we attempt to increase credit card payments through behaviourally-informed disclosures tested in experiments across 3 UK lenders.