Previous reports
Fairbanking is a research-based charity dedicated to encouraging and helping banks to improve
the financial well-being of their customers.
Fair Banking the road to redemption for UK banks
Published by CSFI
By: Antony Elliott
This report argues that the problems banks can cause when allowed to operate in the private sector without clear notions of the public good require a re-think of their role. Banks are beginning to offer products that help consumers manage their money, but the impact of these is low at present. At the same time, many consumers are focusing more on getting value for money. This changing environment means that the time is ripe for banks to offer products that are demonstrably in the interests of their customers.
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Not waving but drowning: Over-indebtedness by misjudgement
published by CSFI
By: Antony Elliott
Entitled Not waving but drowning: Over-indebtedness by misjudgement, the report was written by Antony Elliott, then group risk director at one of the UK’s biggest banking groups for many years. In all, he makes 15 recommendations to ensure that borrowers do not exceed their affordable level of debt – whether by their own misjudgement or financial naiveté, or as a result of irresponsible temptation from lenders.