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Debt and the Nation Debt and the Nation Comments by Martin Hall.

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Presentation on theme: "Debt and the Nation Debt and the Nation Comments by Martin Hall."— Presentation transcript:

1 Debt and the Nation Debt and the Nation Comments by Martin Hall

2 Household debt (1)

3 Household debt (2)

4 Household debt (3)

5 Lenders are fully engaged Congratulations are in order 100% industry commitment All those who benefit from lending have a responsibility to contribute to solving related problems

6 Never have so many….. An impressive list of actions Many pies, many fingers No panacea The end of the beginning Robust framework for the future Holistic, Sensitive, Flexible

7 Preventive medicine Financial capability Responsible lending– the gaps –Student loans –Full data sharing –ability to repay Generic advice Catching them early

8 If the worst comes to the worst…. Joined- up Money Advice Gateway Web + safety net Face to face is crucial Telephone suits many and relieves pressure on face to face

9 The legal framework CCA review SIs– time to bite the bullet Keep regime under review Fairness in lending Careful consultation process Rising rates, febrile politics

10 Industry codes FLA Lending Code– continuous updating OITF recommendations included Real industry support for codes Hope OFT not too prescriptive Industry redress schemes/FOS Court as last resort


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