Treasury - Second Report

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Here you can browse the report together with the Proceedings of the Committee. The published report was ordered by the House of Commons to be printed 25 January 2005.

Contents

Terms of Reference

Report

Summary

1 Introduction

Following up our earlier report

Has there been any progress?

The role of the regulators

2 Transparency in charging

Summary box

Summary boxes and monthly statements

Summary boxes for personal loans, current accounts and savings accounts

Repayment scenarios and minimum repayments

Annual Percentage Rates (APRs)

Interest calculation method

Risk-based pricing

Balance transfer fees

Default charges

3 Data sharing and responsible lending

Data Sharing

Trigger points for referral to independent debt counselling

Annual consolidated debt statement

Credit card cheques

Credit limit increases

Dealing with customers with mental health problems

Access to basic bank accounts

Payment Protection Insurance

4 Conclusions

Conclusions and recommendations

Formal minutes

Witnesses

List of Written Evidence

List of Reports from the Treasury Committee since 2001

ORAL AND WRITTEN EVIDENCE

Oral evidence given on Tuesday 19 October 2004
Oral evidence given on Tuesday 26 October 2004

WRITTEN EVIDENCE

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Prepared 4 February 2005