Building on our impact and how we work together
At Fair4All Finance we’re proud of the difference our work has made so far, collaborating with brilliant people across financial services, civil society, government and regulators. As our organisation and portfolio of work continues to grow, we’re evolving how we work together to build on our successes and deliver even greater impact for the people […]
Tom Lake, Director of Policy & Strategy, to leave Fair4All Finance after seven years
Following a successful seven years in post, our Director of Policy & Strategy, Tom Lake, is leaving Fair4All Finance in the new year. Tom has played a crucial role in our story so far, helping to set up Fair4All Finance in 2019 as the recipient of dormant assets funding for financial inclusion in England, and […]
Call for evidence for an Independent Quadrennial Review commissioned by the Oversight Trust
The Oversight Trust has set up a panel to carry out the second independent review of Fair4All Finance. We are inviting stakeholders who are interested in contributing to get in touch with the panel and share their views. Background The Oversight Trust is responsible for overseeing the companies that have received funding under the English […]
Building inclusive payments: putting people at the heart of the UK’s payments future
Faster, high-tech payments mean little if they lock out millions. With critical decisions underway on the UK’s future retail payments infrastructure, Fair4All Finance CEO Kate Pender writes about the importance of inclusive payments. Payments are changing quickly. New infrastructure, Open Banking, digital identity, new forms of digital money and AI all have the potential to […]
Fair4All Finance responds to HM Treasury’s Access to Banking Services Review Call for evidence
We welcome the opportunity to respond to HM Treasury’s Access to Banking Services Review Call for Evidence. Our response makes the case that access to banking should be treated as a core financial inclusion issue, not simply as a question about the future of branches. As more services move online and physical banking infrastructure continues […]
Our Annual Review for 2025
Across the UK more than 20m people live with low financial resilience. They face daily struggles to access basic tools like affordable credit, savings buffers or insurance to protect against unexpected life events – financial products and services that many people take for granted. Tackling this challenge isn’t just a moral imperative, it’s an economic […]
Fair4All Finance responds to the regulation on the consumer insurance market inquiry
Fair4All Finance has responded to the Lords Financial Services Committee’s inquiry into the regulation of the consumer insurance market. Insurance plays a vital role in financial resilience, helping people manage risks and avoid financial shocks. However, many consumers continue to experience barriers to accessing affordable and suitable insurance products. Our response calls for a stronger […]
FCA regulations begin on Buy Now Pay Later
New FCA regulations have come into force on Buy Now Pay Later (BNPL). BNPL, also known as Deferred Payment Credit (DPC) schemes, had not previously been subject to FCA regulation, a situation which the government described as a ‘wild west’. This new regulation means that consumers choosing BNPL products will be required to pass affordability […]
Fair4All Finance launches Guarantees Pilot for Affordable Credit to expand the provision of affordable credit from responsible lenders
We’re pleased to launch the Guarantees Pilot for Affordable Credit, a new £25m+ impact investment programme designed to support responsible lenders and their investors to expand the provision of affordable credit to people with low financial resilience who are currently poorly served by mainstream providers. We’re looking to work with non-bank commercial lenders and community […]
Blog: APR and the shadow it casts beyond the consumer
Ahead of the FCA’s consultation on Reviewing the financial promotions rules for consumer credit, our CEO Kate Pender writes about the challenges of using APR for small amounts of short term credit and the long shadow it leaves on the supply of affordable credit. 1,614% sounds huge doesn’t it? Michael Sheen uses it as an […]
Fair4All Finance response to FCA and Financial Ombudsman Service consultation on modernising the redress system
We have responded to the FCA and Financial Ombudsman Service consultation on proposals to modernise the UK’s redress system. A well-functioning, transparent system for resolving complaints is essential to building trust in financial services and enabling innovation in products that meet the needs of financially excluded consumers. We broadly welcome the proposed reforms, particularly the […]
Monzo and Fair4All Finance to widen access to credit, as millions remain excluded from mainstream lending
Flex Build, Monzo’s credit card for customers with low or limited credit scores, uniquely provides access to credit through a one-time deposit, with a clear pathway to mainstream lending over time A lending guarantee from Fair4All Finance helps scale the pilot of Flex Build to support the development of more inclusive credit products across the […]