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The Future of High-Cost Credit: Rethinking Payday Lending

The Future of High-Cost Credit: Rethinking Payday Lending

The Future of High-Cost Credit: Rethinking Payday Lending

Author: Jodi Gardner
Publisher: Hart Publishing
ISBN: 9781509961429

Published In: January 2024
Format: Paperback
Jurisdiction: U.K. ? Disclaimer:
Countri(es) stated herein are used as reference only
Hardback Edition ISBN: 9781509939350

List Price: HKD 571.87

HKD 554.71 Save HKD 17.16 (3%)

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Description
Contents

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This book proposes a new way of thinking about the controversial and complex challenges associated with the regulation of high-cost credit, specifically payday lending. These products have received significant attention in both the media and political arena. The inadequacy of regulatory interventions has created ongoing problems with the provision of high-cost credit, particularly for consumers with lesser bargaining power and who are already financially vulnerable.

The book tackles two specific gaps in the existing literature. The first involves inadequate analysis of the relevant philosophical concepts around high-cost credit, which can result in an over-simplification of what are particularly complex issues. The second is a lack of engagement in both the market and lived experience of borrowers, resulting in limited understanding of those who use these financial products.

The Future of High-Cost Credit explores the theoretical grounding, policy initiatives and interdisciplinary perspectives associated with high-cost credit, making a novel and insightful contribution to the existing literature. The problems with debt extend far beyond the legal sphere, and the book will therefore be of interest to many other academic disciplines, as well as for those working in public policy and 'the third sector'.

Introduction

Part I - Philosophical Context: The Concepts of High-Cost Credit

1. High-Cost Credit in the UK

2. Freedom

3. Regulation

4. A Social Minimum

Part II - The Social Context: Identifying High-Cost Credit Borrowers

5. The Lived Experience

6. Future Directions

Concluding Thoughts

Bibliography

Index

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