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:

Summary report

Lessons Learned report

Further details and timeline

Following their campaign and the regulatory change in the payday loans market, Citizens Advice has published two reports:

Payday loans: an improved market? Part 1 – Overview of the trends in the payday loans market, March 2016

Payday loans after the cap: are consumers getting a better deal? August 2016

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.

Full report

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