Financial Policy

By Mark Morrin; Howard Reed

This report makes the case for a place-based approach to building credit. We argue that improving aggregate credit scores at…

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By Nigel Keohane; Nicole Gicheva; Andrew Barlow

Think of the ‘Bank of Mum and Dad’, and you conjure up an image of well-heeled, wealthy parents gifting their…

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By Michael Johnson

Britain’s household savings ratio has plummeted to 4.9%, the lowest since records began in 1963. With savings rates falling and…

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By Kevin Dowd

This report suggests that the UK’s Equity Release sector is in deep trouble, with the regulator having missed opportunities to…

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By Michael Johnson

Royal Mail plans to offers its employees a Collective Defined Contribution (CDC) pensions scheme risk undermining recently-gained pensions freedoms. ‘A…

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By Daniel Tomlinson; Adam Corlett

Worries about the state of modern capitalism abound from politicians across the political spectrum. This should be no surprise, with…

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By Emil Dall; Tom Keatinge

This paper seeks to establish the baseline for a discussion on proliferation finance in the (re)insurance sector. The insurance industry…

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By Conor D'Arcy; Torsten Bell

The wealth of Scottish households has grown rapidly in recent years and now exceeds £1 trillion for the first time.…

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By Professor Philip Booth

The extent of regulation of insurance companies has grown significantly in recent decades. The ‘freedom with publicity’ regime which defined…

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