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Policy and Government

At CAP we don’t want to just treat the symptoms of poverty; we also want to address the causes. That’s why we’re working tirelessly behind the scenes to shape and influence the policies that affect our clients. It means we get to speak on behalf of the vulnerable to the people with the power to change their lives. And our voice is growing louder.

Industry professionals seek our opinion on current issues, and our recommendations get heard in Parliament. Change is happening. Below are some of the ways in which we are fighting for justice amongst the country’s key decision-makers.

CAP’s official response to the FCA’s consultation paper on overdrafts

calendar30 August 2018

CAP has responded to the FCA’s consultation on overdrafts, as part of their wider high-cost credit review. We welcome the focus on overdrafts, as this is an area of harm for many of CAP’s clients. The draft rules propose to reduce harm through building awareness and engagement in the market. We welcomed the ideas of online eligibility tools and charges calculators, but were concerned that this would not help those digitally excluded. We also fed into how the FCA plan to tackle complex pricing structures and high fees and charges. To read more, click below. 

Read the full document here

CAP responds to the FCA’s consultation on rent-to-own, home-collected credit, catalogues and store cards

calendar30 August 2018

CAP has responded to the FCA’s latest consultation part of their high-cost credit review. In this consultation we welcomed the broad scope for the review across the high-cost, short-term credit (HCSTC) market, helping to bring consistency across these credit products. We felt that many of the proposed remedies were proportionate and appropriate, but did have concerns that some may be challenging to operationalise in practice. See our full response below.

Read the full document here

CAP’s official response to the Money Advice Service consultation on Working-Age Money-Management Commissioning Plan

calendar09 July 2018

CAP has responded to MAS’ consultation about building financial capability skills in the working-age population. CAP welcomes the strategic move to increase the provision of money management education, helping to build resilience and develop healthy financial habits. In particular, CAP welcomed the initiative to build money management education into the services, interventions and pathways that already exist. To read the full response, please click below. 

Read the full document here

Powerless people: indebted and afraid

calendar02 July 2018

Our latest briefing paper highlights the issues we are seeing with public sector debt collection. Almost half (49%) of CAP clients have owed money to the DWP, HMRC or their local authority and these clients are more likely to be on a low income and vulnerable. We have found that public sector debt collection processes create fear, leave clients feeling powerless and render debts unmanageable. CAP is calling for three key principles to help change this: time, flexibility and consistency. To read more, click here.

To read more, download our briefing paper here.

CAP’s response to Ofgem’s domestic supplier-customer communication rulebook reforms

calendar22 June 2018

CAP has responded to Ofgem’s consultation on its changes to the communication rulebook. CAP welcomed the opportunity presented to suppliers to change their communications, in order to increase customer engagement levels. By allowing suppliers to innovate and design communications, customers will be able to receive more personalised information, displayed in a more concise way. CAP’s main concern is that with the lack of prescription offered by Ofgem, that some customers may not receive enough communication during their customer journey. 

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Other and previous reports:

The case for fairshare Setting the pace Client report 2016 Client report 2015 Client report 2014 Client report 2013

Introducing CAP's External Affairs team

Meet the team representing CAP and building relationships in the credit and debt advice industries, as well as the third sector and with the Government:

Dawn Stobart
Director of External Affairs

Helen Webb
External Affairs Manager

Rachel Gregory
Social Policy and Relationship Manager

Kiri Saunders
External Communications Manager

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