Consultation Responses

Piles of Money Growing

As the UK’s Financial Capability charity, dedicated to helping everyone stay on top of their money, The Money Charity regularly takes part in consultations and inquiries. Organisations we respond to include government departments, regulators and other agencies, as well as Parliamentary inquiries. These all offer a useful opportunity to contribute to policy-making.

Below are details of our most recent consultation responses:

2024

FEBRUARY

The Money Charity Response – FCA Advice Guidance Bounday – Feb 24

The Money Charity Response – FCA Access to Cash – Feb 24

 

2023

DECEMBER

The Money Charity Response – Education Committee Financial Education Call For Evidence – Dec 23

AUGUST

The Money Charity Response – HMT Cold Calling Ban – Aug 23

JULY

The Money Charity Response – FCA Protections for Borrowers – Jul 23

JUNE

The Money Charity Response – Help to Save Reform – Jun 23

The Money Charity Response – The Digital Pound – Jun 23

The Money Charity Response – Financial Resilience APPG Call for Evidence – Jun 23

APRIL

The Money Charity Response – Buy Now Pay Later Draft Legislation – Apr 23

MARCH

The Money Charity Response – HMT Consumer Credit Act Reform – Mar 23

FEBRUARY

The Money Charity Response – Access FCA Advice Mainstream Investments – Feb 23

The Money Charity Response – Regulatory Framework FCA Pensions Dashboard – Feb 23

 

2022

NOVEMBER

The Money Charity Response – Authorised Push Payment Scams – Nov 22

SEPTEMBER

The Money Charity Response – DCMS Dormant Assets Funding – Sep 22

AUGUST

The Money Charity Response – HMT Statutory Debt Repayment Plan – Aug 22

JULY

The Money Charity Response – Branch + ATM Closures or Conversions – Jul 22

JUNE

The Money Charity Response – FCA Expansion Dormant Assets Scheme – Jun 22

The Money Charity Response – Financial Education APPG Call For Evidence – Jun 22

MARCH

The Money Charity Response – Financial Promotion Exemptions – Mar 22

The Money Charity Response – Financial Resilience APPG Call For Evidence – Mar 22

FEBRUARY

The Money Charity Response – New Consumer Duty – Feb 22

The Money Charity Response – Centre for Social Justice Call for Evidence on Financial Literacy – Feb 22

The Money Charity Response – HMT Future Regulatory Framework Review – Feb 22

JANUARY

The Money Charity Response – FCA Payment Account Regulations Review – Jan 22

 

2021

DECEMBER

The Money Charity Response – HMT on BNPL Regulation – Dec 21

OCTOBER

The Money Charity Response – FCA CP21-24 on Board Level Diversity Reporting – Oct 21

SEPTEMBER

The Money Charity Response – FCA DP21-2 Diversity and Inclusion – Sep 21

The Money Charity Response – HMT Access to Cash Consultation – Sep 21

JULY

The Money Charity Response – FCA Consumer Duty – Jul 21

The Money Charity Response – FCA DP21-1 on Consumer Investment Promotions – Jul 21

JUNE

The Money Charity Response – FCA on Pension Nudges – Jun 21

The Money Charity Response – DWP Simpler Pension Statement Consultation – Jun 21

The Money Charity Response – PSR CV21-6 Confirmation of Payee – Jun 21

The Money Charity Response – APPG on Financial Education at Primary Age – Jun 21

Archive

APRIL

The Money Charity Response – PSR Interbank Payment Protection – Apr 21

The Money Charity Response – PSR on APP Scams – Apr 21

FEBRUARY

The Money Charity Response – HMT Review of FS Regulation – Feb 21

The Money Charity Response – Treasury Committee Future of Financial Services – Feb 21

JANUARY

The Money Charity Response – FCA Consultation on General Insurance Pricing – Jan 21

2020

DECEMBER

The Money Charity Response – FCA Consultation on Consumer Investment Market – Dec 20

The Money Charity Response – Open Banking VRP – Dec 20

The Money Charity Response – Woolard Review into Unsecured Credit – Dec 20

NOVEMBER

The Money Charity Response – HMT Call for Evidence on Access to Cash – Nov 20

The Money Charity Response – PSR Review of Card-Acquiring Services – Nov 20

OCTOBER

The Money Charity Response – DWP Pension Scheme Climate Change Reporting – Oct 20

The Money Charity Response – FCA Vulnerability Guidance – Oct 20

The Money Charity Response – Single Easy Access Rate for Cash Savings – Oct 20

MARCH

The Money Charity Response – FCA Call For Input on Open Finance – Mar 20

The Money Charity Response – BoE Discussion Paper on Financial Risks from Climate Change – Mar 20

2019

DECEMBER

The Money Charity Response – Which? Call for Insight Access to Banking – Dec 19

The Money Charity Response – FCA Consultation on Motor Finance – Dec 19

The Money Charity Supplementary Response – Open Banking Revised Roadmap Consultation – Dec 19

NOVEMBER

The Money Charity Response – Ofcom Proposed Guide on Treating Vulnerable Customers Fairly – Nov 19

The Money Charity Response – FCA General Insurance Pricing – Nov 19

OCTOBER

The Money Charity Response – BEIS Smart Meter Policy Consultation- Oct 19

The Money Charity Response – Gambling Commission Consultation on Gambling with Credit Cards – Oct 19

The Money Charity Response – FCA CP19-25 on Pension Transfer Advice – Oct 19

The Money Charity Response – PSR Review of SD8 (Access to Cash) – Oct 19

The Money Charity Response – HMT Review of Financial Regulation – Oct 19

The Money Charity Response – Pay.UK CRM Fee Proposal – Oct 19

The Money Charity Response – FCA GC19-3 Fair Treatment of Vulnerable Customers – Oct 19

SEPTEMBER

The Money Charity Response – Digital Identity Call for Evidence- Sep 19

The Money Charity Response – FCA Signposting for Travel Insurance to Consumers with Medical Conditions – Sep 19

The Money Charity Response – PSR Access to Cash – Sep 19

AUGUST

The Money Charity Response – FCA Intergenerational Differences – Aug 19

JUNE

The Money Charity Response – MAPS Listening Document – Jun 19

MAY

The Money Charity Response – FCA Pension Scheme Charges and Costs Disclosure – May 19

The Money Charity Response – Gambling Commission Gambling with Credit Cards – May 19

APRIL

The Money Charity Response – FCA General Insurance Value Measures Reporting – Apr 19

The Money Charity Response – Ofsted Education Inspection Framework – Apr 19

MARCH

The Money Charity Response – FCA Consultation on Overdrafts – Mar 19

The Money Charity Response – FCA Consultation Buy Now Pay Later – Mar 19

JANUARY

The Money Charity Response – FCA DP on Fair Pricing in Financial Services – Jan 19

The Money Charity Response – APPG Inquiry Into Children in Care and Financial Education – Jan 19

The Money Charity Response – HMT Consultation on Breathing Space – Jan 19

The Money Charity Response – DWP Consultation on Pensions Dashboard – Jan 19

The Money Charity Response – FCA Consultation Paper on Rent to Own – Jan 19

2018

NOVEMBER

The Money Charity Response – General Insurance Pricing Practices Study TOR – Nov 18

The Money Charity Response – DfE Call for Evidence on PSHE – Nov 2018

The Money Charity Response – FCA Duty of Care Consultation – Nov 2018

OCTOBER

The Money Charity Response – FCA Consultation on Cash Savings Market – Oct 2018

The Money Charity Response – FCA Review of the Retained Provisions of the CCA – Oct 2018

SEPTEMBER

The Money Charity Response – Access to Cash Review – Sept 2018

MARCH

The Money Charity response to the LSB Standards of Lending Practice Review

The Money Charity response to the FCA’s ‘Approach to Competition’

FEBRUARY

The Money Charity response to the MAS Draft Business Plan 2018/19

The Money Charity response to the FCA’s ‘Our Future Approach to Consumers’

JANUARY

The Money Charity response to the ‘Breathing Space: Call for evidence’

The Money Charity response to the Banking Standards Board’s ‘What do good banking outcomes look like to consumers?’

2017

OCTOBER

The Money Charity response to assessing creditworthiness in consumer credit

JULY

The Money Charity response to the FCA’s consultation on persistent credit card debt and earlier intervention remedies

FEBRUARY

The Money Charity response to the Treasury proposals for a Single Financial Guidance Body

The Money Charity’s response to The MAS Business Plan 2017-18

TMC response to the FCA Mission

JANUARY

TMC response to ammending the definition of advice

2016

SEPTEMBER

The Money Charity response to the Select Committee on Financial Inclusion

JULY

The Money Charity response to the Help to Save 

JUNE

TMC response to CP16-2 – Secondary Annuity Market – proposed rules and guidance

MAY

The Money Charity public financial review proposals response

APRIL

The Money Charity response to Claims Management Regulation

MARCH

The Money Charity response to GP16-2: Proposal to issue guidance on the FCA’s view of enforcing security under the Consumer Credit Act 1974

FEBRUARY

The Money Charity response to CP15-39: rules and guidance on payment protection insurance complaints 

The Money Charity response to the MAS Business Plan 2016-17

JANUARY

The Money Charity response to the APPG on Financial Education for young people 

The Money Charity response to the credit card market review interim report

The Money Charity response to pension reforms – proposed changes to rules and guidance

2015

DECEMBER

The Money Charity response to the financial advice market review

The Money Charity response to the public financial guidance consultation

The Money Charity response BCAP Payday Loans

The Money Charity response BIS Switching

OCTOBER

The Money Charity response to freezing the student loan repayment threshold

SEPTEMBER

The Money Charity’s response to the Department of Work and Pensions: strengthening the incentive to save

AUGUST

The Money Charity’s response to the Work and Pensions Select Committee’s pension freedoms inquiry

The Money Charity’s response to HMT consultation on interchange fee regulation

JULY

The Money Charity response to the FCA’s call for input on terms and definitions for services linked to payment accounts and subject to fees

JUNE

The Money Charity’s response to creating a secondary annuity market

APRIL

The Money Charity’s response to the FCA’s 2015/16 fees and levies consultation

MARCH

The Money Charity’s submission to the independent review of the Lending Code

FEBRUARY

The Money Charity’s  response to the BCAP’s review of TV ads for high-cost short-term credit, including payday loans

The Money Charity’s response to the Retirement Income Review

The Money Charity’s response to the FCA’s proposals for the cash savings market

JANUARY

The Money Charity’s response to the Retirement Income Market Study

2014

DECEMBER

The Money Charity’s response to the FCA’s credit card market study Terms of Reference

NOVEMBER 

The Money Charity’s response to Citizenship studies GCSE

The Money Charity’s response to Greater London Assembly problem debt inquiry

The Money Charity’s response to the FCA’s guidance consultation on social media & customer communications

OCTOBER 

The Money Charity’s Response to the Financial Capability Strategy for the UK

The Money Charity’s response to the FCA’s guidance consultation on retail investment advice

The Money Charity’s response to The Insolvency Services’ insolvency proceedings call for evidence

The Money Charity’s response to FCA discussion paper DP14/2: Fairness of changes to mortgage contracts

The Money Charity’s response to the Financial Education and Inclusion (Wales) Bill

SEPTEMBER 

The Money Charity’s response to the FCA’s guidance guarantee and pension reform

The Money Charity’s response to the independent review of MAS

The Money Charity’s response to the Treasury’s British credit unions at 50 consultation 

The Money Charity’s response to the Financial Conduct Authority’s HCSTC consultation

AUGUST 

The Money Charity’s response to BBA’s saving consultation

The Money Charity’s response to the FCA’s cash market study

JULY

The Money Charity’s submission to the FCA retirement income market study

The Money Charity’s response to the Money Advice Service’s proposal for a retirement adviser directory

The Money Charity’s response to the CMA payday lending market investigation

JUNE

The Money Charity’s response to an inquiry into PSHE education in schools

The Money Charity’s response to Freedom and Choice in Pensions

MAY

The Money Charity’s response to Core Maths technical guidance consultation

APRIL

The Money Charity’s response to the consultation on a proposed Financial Education and inclusion (Wales) Bill

The Money Charity’s response to DWP Consultation on Rent Arrears Deduction in Universal Credit

FEBRUARY 

The Money Charity’s response to Money Advice Service Business Plan 2014/15

2013

Credit Action’s response to Financial Capability Strategy for Northern Ireland

Credit Action’s response to MAS UK Financial Capability Strategy

Credit Action’s response to the National Curriculum review: new programmes of study and attainment targets from September 2014

Credit Action’s Response to the Youth Select Committee’s Inquiry into Education and Life Skills

Credit Action’s Response to the FSA Consultation on High-Level Proposals for an FCA Regime for Consumer Credit

Credit Action’s Response to HM Treasury Consultation on A New Approach to Financial Regulation: Transferring Consumer Credit Regulation to the Financial Conduct Authority

Credit Action’s Response to the OFT Consultation on a Market Investigation Reference for Payday Lending

Credit Action’s Response to the Department for Education’s Consultation on Reform of the National Curriculum in England

Credit Action’s Response to the HM Treasury Consultation on the Credit Union Maximum Interest Rate Cap

Credit Action’s Response to the Department for Education’s Consultation on Measuring Child Poverty

Credit Action’s Response to Money Advice Service Consultation on its 2013-14 Business Plan

Credit Action’s Response to the FSA Consultation on Temporary Product Intervention Rules

Credit Action’s Response to the APPG on Financial Education for Young People’s Inquiry into Vulnerable Young People

Credit Action’s Response to the OFT Consultation on the Power to Suspend Consumer Credit Licenses

2012

Credit Action’s Response to the HM Treasury Consultation on A New Approach to Financial Regulation: Draft Secondary Legislation

Credit Action’s Response to the Department for Education’s Consultation on Reforming Key Stage 4 Qualifications

Credit Action’s Response to the HM Treasury Consultation on Setting the Strategy for UK Payments

Credit Action’s Response to the Welsh Government’s Consultation on National Literacy and Numeracy Frameworks 

Credit Action’s Response to the OFT Consultation on Continuous Payment Authority

Credit Action’s Response to the HM Treasury Consultation on Clarifying the Money Advice Service’s Consumer Financial Education Function

2011

Credit Action’s Response to the Department for Education’s Review of PSHE Education

Credit Action’s Response to the BIS Consultation on Potential Early Repayment Mechanisms for Student Loans

Credit Action’s Response to the OFT Consultation on its Draft Debt Management (and Credit Repair Services) Guidance

Credit Action’s Response to the FSA Consultation on the Financial Conduct Authority

Credit Action’s Response to the OFT Consultation on its Draft Debt Collection Guidance

Credit Action’s Response to the APPG on Financial Education for Young People’s Inquiry into Financial Education and the Curriculum

Credit Action’s Response to the Department for Education’s National Curriculum Review

Credit Action’s Response to the HM Treasury Consultation on Simple Financial Products

Credit Action’s Response to the BIS Consultation on Reforming the Consumer Credit Regime

Credit Action’s Response to the Government’s Consultation on Tackling Child Poverty and Improving Life Chances

2010

Credit Action’s Response to the BIS Consultation on Consumer Credit and Personal Insolvency

Credit Action’s Response to the Graham Allen Review on Early Intervention Delivery

Credit Action’s Response to the HM Treasury Consultation on A New Approach to Financial Regulation: Judgement, Focus and Stability

2009

Credit Action’s Response to the BIS Consultation on the future of Post Office Banking