Treasury - Twelfth Report
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 7 November 2006.
Contents
Terms of Reference
Summary
1 Introduction
Why financial inclusion matters
The genesis of our inquiry
The conduct of our inquiry
Reporting on our inquiry
2 The challenges of financial inclusion
What is financial inclusion?
The nature of financial exclusion
The varieties and scope of financial exclusion
The costs of financial exclusion
Benefits of financial inclusion
3 Access to affordable credit
Tackling high cost credit
Illegal lenders
Doorstep lenders
Tackling extortionate credit and an interest rate cap
Data-sharing
Credit unions and CDFIs
The role of the third sector
Credit unions
CDFIs
Other services
General approach
The Growth Fund and other sources of assistance
Credit unions in Northern Ireland
Attracting capital and expertise from the banks
Community Investment Tax Relief
A new Credit Unions Act?
FSA regulation of providers of third sector credit
Direct deduction of repayment from benefits
The Social Fund
Secured lending
Right to Buy lending
4 Saving for all
Savings and financial inclusion
The basic advice regime
A market-led solution?
The Saving Gateway
Background
Evidence from the pilots
Comparisons from abroad
Conclusions
Capital limits for benefits
Housing associations savings with rent accounts
Savings and other aspects of financial inclusion
Conclusions
5 Access to financial advice
Generic financial advice
The current gap
Possible delivery mechanisms
Funding and charges
Regulatory barriers
6 Access to Insurance
Conclusions and recommendations
Formal minutes
List of witnesses
List of written evidence
List of unprinted written evidence
List of Reports from the Treasury Committee during the current Parliament
List of Oral Evidence
Tuesday 24 January 2006
Tuesday 14 February 2006
Tuesday 28 February 2006
Tuesday 14 March 2006
Tuesday 9 May 2006
Tuesday 16 May 2006
Tuesday 18 May 2006
Monday 22 May 2006
Written Evidence
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