Home Credit Market Inquiry
Working Papers published alongside Emerging Thinking
document
In publishing our working papers, we have removed from
them some material which home credit lenders have told us
is commercially sensitive. We have done so without prejudice
to possible disclosure in the course of the inquiry, for example
when we issue our provisional findings. Before we disclose
any such material we shall have regard to the statutory considerations
on disclosure of information in section 244 of the Act, which
are summarised in our guidance (CC7). In particular, we shall
decide which parts, if any, of currently excised material
should be published because they are essential to an understanding
of our findings.
1. Agents
2. Barriers to Entry and Expansion
3. Evolution of Size and Structure
of the Home Credit Industry
4. The Consumer Credit (Early
Settlement) Regulations 2004
5. Cost of Capital
6. Credit Scoring
7. Customer Turnover, Switching
and Multi-sourcing
8. Pricing
9. Product Market Definition
10. Profitability of the Five
Listed Home Credit Providers
11. Renewal Loans
Evidence published alongside Emerging Thinking document
1. Analysis
of Questionnaire Responses from Providers of Mainstream Credit
Products
2. Summary
of Feedback from Home Credit Customers
Other documents published on 27 October 2005 (see Third
Party Submissions)
1. Further Submission by the National Consumer Council
2. Further Submission by the Consumer Credit Association
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