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Investigations

Completed inquiries

current item indicator  Home Credit

Terms of reference (20/12/04)

Members of inquiry

Administrative timetable

Issues statement (18/04/05)

Emerging thinking (27/10/05)

Notice of Provisional Findings (27/04/06)

Summary of Provisional Findings (27/04/06)

Notice of Possible Remedies (27/04/06)

Provisional findings report (28/04/06)

Proposed remedies (18/08/06)

Changes to remedies (01/11/06)

Final report (30/11/06)

Administrative timetable for the making of the Order

Tender discussion document (20/02/07)

Notice of intention to make an Order (29/06/07)

Draft Order (29/06/07)

Draft explanatory note (29/06/07)

Notice of making of Order (13/09/07)

Home Credit Market Investigation Order (13/09/07)

Explanatory note to the Order (13/09/07)

Response to consultation (13/09/07)

Timetable for the implementation of the Order (updated 15/08/08)

Notice of approval of website operator (01/02/08)

Notice of readiness to receive information for publication on website (28/04/08)

Notice of appointed day (18/08/08)

Home Credit

Inquiry type: Market

Status: Completed

Date: 20.12.04 - 30.11.06

Email:


Welcome to the home-page of the Home Credit Inquiry

 

Core Inquiry Documents

  Terms of reference

  Members of inquiry

  Administrative timetable

Issues statement

Emerging thinking

 Notice of Provisional Findings

 Summary of Provisional Findings

 Notice of Possible Remedies

Provisional findings report

 Proposed remedies

 Changes to remedies

 Final report

  Administrative timetable for the making of the Order

 Tender discussion document

 Notice of intention to make an Order

 Draft Order

 Draft explanatory note

 Notice of making of Order

 Home Credit Market Investigation Order

 Explanatory note to the Order

 Response to consultation

 Timetable for the implementation of the Order

 Notice of approval of website operator

 Notice of readiness to receive information for publication on website

 Notice of appointed day

navigation arrow Notice of making an Order to vary the Home Credit Market Investigation Order 2007

navigation arrow Home Credit Market Investigation Order 2007 Variation Order 2011

navigation arrow Home Credit Market Investigation Order 2007 showing variations

navigation arrow Revised Explanatory Note to the Home Credit Market Investigation Order 2007 (showing changes)

 
Announcements Evidence

 CC opens up home credit market to competition - 30 November 2006 (pdf,46kb)

 Home Credit proposed remedies - 18 August 2006 (pdf,41kb)

 CC finds home credit customers pay a high price - 27 April 2006 (pdf,46kb)

 CC publishes emerging thinking document - 27 October 2005 (pdf, 49kb)

 CC Home Credit open meeting - 12 May 2005 (pdf,33kb)

 CC publishes home credit issues statement - 18 April 2005 (pdf, 34kb)

 OFT refers home credit to Competition Commission: CC invites evidence - 20 December 2004 (pdf, 32kb)

 

These links include key arguments and views of main parties and third parties, the Open Meeting proceedings and surveys:

Initial submissions and oral evidence

Submissions from home credit providers

 Submissions from other interested parties

 Oral evidence

Open meeting

 Open meeting in Manchester on 19 May 2005

Surveys, Analyses and Reports

Report from Andrew Irving Associates (AIA) - qualitative survey (pdf, 606kb)

Home Credit Customer Report - Quantitative research prepared by NOP World (pdf, 954kb)

MFS Survey of Personal Finance (pdf, 338kb)

BMRB Survey of TGI (pdf, 1,325kb)

Summary of feedback from home credit customers

Analysis of questionnaire responses from providers of mainstream credit products

Emerging Thinking

Emerging thinking

Responses from home credit providers

 Responses from other interested parties

Provisional Findings and Notice of Possible Remedies

 Notice of Provisional Findings

 Summary of Provisional Findings

Provisional findings report

 Notice of Possible Remedies

Responses from home credit providers

 Responses from other interested parties

Proposed remedies

 Proposed remedies

 Home Credit proposed remedies

 Changes to remedies

Responses from home credit providers

 Responses from other interested parties

 
Public Events

Peter Freeman’s talk at CCA Convention - 20 April 2005 (pdf, 65kb)

 
Working Papers

Papers published alongside Emerging Thinking

Other papers prepared by the CC

 
 Related documents