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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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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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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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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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Royal Mail plans to offers its employees a Collective Defined Contribution (CDC) pensions scheme risk undermining recently-gained pensions freedoms. ‘A…
Read moreWorries about the state of modern capitalism abound from politicians across the political spectrum. This should be no surprise, with…
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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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The wealth of Scottish households has grown rapidly in recent years and now exceeds £1 trillion for the first time.…
Read moreThe extent of regulation of insurance companies has grown significantly in recent decades. The ‘freedom with publicity’ regime which defined…
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