This is a selection of reports published by financial regulators and debt support charities relating to the high-cost short-term credit industry.
Citizens Advice campaign
Citizens Advice ran a successful payday loan campaign from 2012 to 2014, which urged the regulators to address the lending and advertising practices of payday loan companies. Available to access:
Following their campaign and the regulatory change in the payday loans market, Citizens Advice has published two reports:
Competition and Markets Authority investigation
From 2013 to 2015, the Competition and Markets Authority conducted an investigation into the payday lending market. This followed an initial consultation which highlighted varying levels of compliance by payday lenders, lack of cost transparency for customers and barriers to switching to alternative credit products.
Supporting documentation can be accessed, including survey reports, working papers and industry responses.
Other reports and research
Paying lending compliance review: final report, Office of Fair Trading, 2013