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  1. Occasional Paper No. 43: Weighing anchor on credit card debt

    Occasional papers FCA research

    Published: 26/07/2018

    Last modified: 03/06/2026

    In this study we conduct a hypothetical credit card payment experiment to test an intervention to de-anchor payment choices.
  2. Research Note: Helping credit card users repay their debt: a summary of experimental research

    FCA research

    Published: 26/07/2018

    Last modified: 03/06/2026

    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
  3. Occasional Paper No. 42: Increasing credit card payments using choice architecture: The case of anchors and prompts

    Occasional papers FCA research

    Published: 26/07/2018

    Last modified: 03/06/2026

    In this paper we investigate ways to encourage consumers to repay more of their credit card debt.
  4. Occasional Paper No. 45: The semblance of success in nudging consumers to pay down credit card debt

    Occasional papers FCA research

    Published: 26/07/2018

    Last modified: 03/06/2026

    In this study we study consumer responses to a randomised field experiment on credit card debt repayment.
  5. Occasional Paper No. 44: The conflict between consumer intentions, beliefs and actions to pay down credit card debt

    Occasional papers FCA research

    Published: 26/07/2018

    Last modified: 03/06/2026

    In this study we attempt to increase credit card payments through behaviourally-informed disclosures tested in experiments across 3 UK lenders.
  6. Final Notice 2018: David James Carter Mullins [pdf]

    Final notices

    Published: 25/07/2018

    This final notice refers to breaches of FIT related to lack of fitness/propriety and unfair treatment of customers in the consumer credit sector. We imposed a prohibition.
  7. Final Notice 2018: Mark Robert Kennedy [pdf]

    Final notices

    Published: 25/07/2018

    This final notice refers to breaches of FIT related to lack of fitness/propriety and unfair treatment of customers in the consumer credit sector. We imposed a prohibition.
  8. Final Notice 2018: Edward John Booth [pdf]

    Final notices

    Published: 25/07/2018

    This final notice refers to breaches of FIT related to lack of fitness/propriety and unfair treatment of customers in the consumer credit sector. We imposed a prohibition.
  9. Final Notice 2018: Christopher Paul Brotherton [pdf]

    Final notices

    Published: 25/07/2018

    This final notice refers to breaches of FIT related to lack of fitness/propriety and unfair treatment of customers in the consumer credit sector. We imposed a prohibition.
  10. Occasional Paper No. 41: Price discrimination in the cash savings market: One rate, one solution? [pdf]

    FCA research

    Published: 25/07/2018

    Last modified: 09/01/2020

    This paper explores the likely impact of a supply-side regulatory intervention that aims to enhance competition and improve consumer outcomes by delivering more uniform pricing across cash savings accounts.
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