Low-Incomes and High-Debts: The Challenge of Regulating Vulnerable Consumers

11 April 2019 - 12 April 2019

SG1 and SG2, Alison Richard Building

Please email conferences@crassh.cam.ac.uk if you would like to be kept informed about the event, or have any other questions. 



Jodi Gardner (University of Cambridge)

Mia Gray (University of Cambridge)

Katharina Moser (University of Birmingham)



High-cost credit and the challenges associated with financial access for vulnerable consumers has experienced increased political and media attention, but these issues are academically understudied, and discussed only to a limited extent. To respond to this challenge, we are running a two-day interdisciplinary workshop on the regulatory challenges associated with low-income, high-debt consumers. The challenges of high-cost credit are complex and require a multi-faceted response. Workshop is therefore strongly interdisciplinary and will involve academics from law, social policy, history and anthropology. A range of important topics will be considered, each of which will have two academic papers followed by an ‘insight from practice’ (a presentation from a government body, charity or consumer organisation) and then group discussion. The conference will cover a wide range of topics, including inequality, high-cost credit, the financial crisis and cultural change, the economic lives of low-income consumers, the historical aspects of debt challenges, insolvency and alternatives and Ombudsman services. This workshop will be of interest to a wide range of individuals, including those from academia, the charity sector and consumer organisations.




Supported by the Centre for Research in the Arts, Social Sciences and Humanities (CRASSH) and St John's College, Cambridge.