We've co-signed a letter to the Chancellor, Rachel Reeves, alongside energy companies and charities warning her that cutting energy efficiency schemes in the budget would be damaging for people and planet. www.theguardian.com/environment/...

This would be a huge mistake🚩 The Warm Homes Plan is a vital step towards making homes more energy efficient and reducing bills for those on low incomes.

Today marks the launch of the Financial Inclusion Strategy. The Strategy must be seen as an important first step that sets the direction of travel to ending the poverty premium and financial exclusion. Read our full statement here: fairbydesign.com/response-uk-...

As the Financial Inclusion Strategy nears publication, now is the time for bold, joined-up action to tackle exclusion and end the poverty premium once and for all. Read our full paper 🔗 fairbydesign.com/wp-content/u...

In December 2024, the Government committed to a Financial Inclusion Strategy. Since then, officials, regulators, and consumer groups have worked in subcommittees developing the Strategy. With the Strategy’s launch imminent the question remains: will it be bold enough?

Great to see the ESNZ Committee calling out the energy market for entrenching the poverty premium. The report supports our calls to get rid of the premium for paying on receipt of bill, and for an energy social tariff.

When the Financial Inclusion Strategy arrives, it must be bold, ambitious, and deliver tangible reductions in poverty across the UK. Thanks to Martin Rhodes MP for raising the issue in Parliament.

Consumer energy debt reached £4.4 billion at the end of Q2 2025, this is more than triple pre-energy crisis levels. This debt doesn’t affect everyone equally, for more information read our call to action with Rooted Finance. fairbydesign.com/long-term-me...

As energy debt rises at an alarming rate, we’ve partnered with Rooted Finance to better understand how the poverty premium is affecting the users of their debt advice services. Read our joint call to action here: fairbydesign.com/long-term-me...

"A bold Financial Inclusion Strategy would lift millions out of financial precarity and support the Government’s growth agenda." Our blog reflecting on the Labour Party Conference 2025, where we hosted an exhibition stand for the first time. fairbydesign.com/reflections-...

We’ve got a couple more for the list: 🚩 Charging people £136 extra on energy bills for paying on receipt of bill. 🚩 Charging people more for car insurance if they pay in monthly instalments. Brilliant stuff from @martinlewis.moneysavingexpert.com as ever.

We’re at #LabourConference 2025 with our Give Me Some Credit photo exhibition. It's amazing to be joined by Mike and Zahida, two of the amazing contributors to the project.  📍 Find us at Stand G4!

It was a privilege to attend the launch of the Poverty Strategy Commission’s framework for tackling poverty this morning, having been involved in the advisory group. Thinking about what we at @fairbydesign.bsky.social can do to help make the suggested social contract a reality 🤔

Affordable credit for those on low incomes? Come join us at #LAB25 to discuss the Fair Banking Act. Based on the Community Reinvestment Act in the US, it would ensure banks serve all sectors of the community so credit reaches those who need it most, at an affordable rate.

We’ll be at Labour Party Conference this year hosting our 'Give Me Some Credit' exhibition, joined by participants who shared their stories as part of the project. Swing by to check out the exhibition and hear about our latest work.

Last week we responded to Scottish Labour’s consultation on financial inclusion. With 22.4% of households in Scotland facing a poverty premium, we’re calling for an ambitious UK-wide Financial Inclusion Strategy to address this. fairbydesign.com/scottish-lab...

Great to see @green-alliance.org.uk's report adding momentum to the call for an energy social tariff. Alongside our research with Public First last week, it adds to the consensus from charities, industry and parliament that a social tariff is urgently needed to cut energy bills.

Our Head of Policy @mariacbooker.bsky.social on today’s new report into targeted energy bill support ⬇️

🚨 New report out today: Closing the Fuel Poverty Gap by Public First, commissioned by Fair By Design & partners 🚨 It shows how long-term, targeted energy bill support could be delivered to households on low incomes. As featured in The Metro this morning👇 metro.co.uk/2025/08/27/d...

We're hiring a Public Affairs Manager to lead our engagement with politicians, regulators and industry to embed fairness in our financial system, and ensure that lived experience is at the heart of our work. Find out more and apply here: fairbydesign.com/were-recruit...

Our Director Rebecca Deegan will be speaking at the Festival of Politics on Friday. She’ll join peer researchers from our Give Me Some Credit project to discuss how we can tackle financial exclusion and the credit poverty premium. Sign up and tickets ⬇️

No Interest Loan Schemes (NILS) give people on low incomes access to small, interest-free loans - helping them to avoid loan sharks. If you're interested in how credit unions, housing associations and councils can work together on local NILS schemes then read our case study with NEFirst.

Having a car is important for many people, but car insurance is often more expensive for people on low incomes. We've set out several ways the Government and regulators can reduce car insurance and tackle the poverty premium. Full paper 🔗 fairbydesign.com/wp-content/u...

Come join our team. We're hiring a Public Affairs Manager to lead our engagement with political stakeholders, regulators, and industry bodies to influence policy and regulatory change. Deadline for applications is Friday 5th September. More details ⬇️ fairbydesign.com/were-recruit...

A new report from @fair4allfinance.bsky.social has shown removing the poverty premium from car insurance would generate an extra £369 million per year for the UK economy. Action on the car insurance poverty premium is good for the economy and good for individuals, a no brainer.

As part of our response to the Financial Conduct Authority's new analysis on motor insurance we are launching a new position paper 'Driving Change: Policy Ideas to Tackle the Car Insurance Poverty Premium’. Full report 🔗 fairbydesign.com/wp-content/u...

Today The FCA has published new analysis on the motor insurance market which shows many of the factors that have increased the cost of car insurance are outside of consumers’ control. Here is the response of our Director, Rebecca Deegan.

As the insurance industry leans more heavily on complex pricing models, it's people on the lowest incomes who are being hit the hardest. www.postonline.co.uk/personal/795...

Our Director Rebecca Deegan writes on Insurance Post today: People who pay for car insurance monthly are too often charged more than it costs an insurer to service this method of payment. Decisive action has been too slow. www.postonline.co.uk/personal/795...

New Financial Services Growth & Competitiveness Strategy reiterates Treasury's intention to review regulators' 'have regards'. We call on Treasury to maintain the FCA's 'have regard' to financial inclusion so that consumer protection remains an important cornerstone of growth. tinyurl.com/ye2523hf

We're calling on the Government to include regulators in plans to introduce the Socio-Economic Duty. The SED could be a catalyst for shifting the focus of regulation towards financial inclusion for people facing socio-economic disadvantage.   Full blog: bit.ly/3TuNeed

We're calling on the Government to include regulators in plans to introduce the Socio-Economic Duty. It would help reduce the ingrained poverty premiums faced by people in socio-economically disadvantaged groups through a more strategic approach. fairbydesign.com/blog-socio-e...

“That creates a poverty premium where people are having to pay higher prices, sometimes for basic goods” Really good to see Meg Hillier mention the poverty premium as part of the TSC's scrutiny of the Government’s financial inclusion strategy. www.heraldscotland.com/news/2529128...

It was great to be in Parliament again this week, to watch @mariacbooker.bsky.social give evidence to the Energy Select Committee's inquiry on support for the transition to net zero. We talked about inclusive design as an important tool to ensure people on low incomes are included in policy making

Yesterday, our Head of Policy, @mariacbooker.bsky.social, gave evidence to the Energy Security and Net Zero Committee’s inquiry on 'Building support for the energy transition.' 🎥 Watch Maria's contributions to the session here www.youtube.com/watch?v=--0Z...

We’ve supported calls not to cut disability benefits and the Government listened. The Universal Credit and PIP Bill passed with amendments. While some cuts were cancelled, others remain, hitting people already in poverty, including those paying a poverty premium for essentials.

Many people on low incomes face limited access to affordable credit. We’re calling for fairer alternatives, including a Fair Banking Act and No Interest Loan Schemes. Check out our new briefing on credit, setting out the problems and the solutions. fairbydesign.com/wp-content/u...

On Wednesday our Head of Policy @mariacbooker.bsky.social will be giving oral evidence to the Energy Security and Net Zero Committee as part of their inquiry on 'Building support for the energy transition.' 📺 You can watch the session live here parliamentlive.tv/event/index/...

Some snaps from our event with @fair4allfinance.bsky.social‬ on financial inclusion and access to affordable credit. The event was a chance to view and hear from project participants from the ‘Give me some credit’ exhibition. You can view the full exhibition here fairbydesign.com/understandin...

How do we share the benefits of the smart energy transition so people on low incomes can benefit from cheaper, greener renewable electricity? Really good blog from @cse.org.uk on how the benefits of the smart energy transition need to be felt by those on low incomes.

What is the Socio-Economic Duty? And how could commencing it help to reduce socio-economic inequality in the UK 💭 Watch The Equality Trust's video explainer below 👇

What incredible stories @fairbydesign.bsky.social @fair4allfinance.bsky.social @povertyalliance.org & Fair Banking APPG. 👏 Thanks for inviting us to be a part of this event, and highlighting the need for a #FairBankingAct as part of the government's Financial Inclusion Strategy. #FairBankingForAll

Good to see that energy bills can be cut quickly when there is a will. Look forward to the Government slashing energy bills for those on low incomes via a social tariff... @fairbydesign.bsky.social #energysocialtariff

Today the Government has announced it will expand the Warm Homes Discount (WHD) this winter. Here are our thoughts ⬇️

Today the Government has announced it will expand the Warm Homes Discount (WHD) this winter. Here are our thoughts ⬇️

A huge thanks to the lived experience expert speakers who shared their stories yesterday at our event on affordable credit and financial inclusion. It’s vital that these voices help shape policy and the design of financial services.

We’re in Parliament today with @philbrickellmp.bsky.social & @fair4allfinance.bsky.social, hosting a drop-in on Financial Inclusion and Access to Affordable Credit. We’re sharing stories from the Give Me Some Credit exhibition and calling on MPs to support action on financial inclusion.

Today we’re inviting MPs and their teams to join us for a powerful discussion on hashtag#FinancialInclusion 📸 Visit the @fairbydesign.bsky.social ‘Give me some credit’ photo exhibition 🗣️ Hear from lived experience speakers sharing their stories ☕ Tea, coffee, cake and conversations provided

We are very pleased with the Government's commitment to fully fund the Warm Homes Plan. This is a good step towards making homes more energy efficient and reduce bills. Now, the Government needs to support all those in fuel poverty and introduce a social tariff.

Good news for older people struggling to pay energy bills. As we told the ESNZ Committee last week, an energy social tariff is the best way to support everyone on a low income, including pensioners. We urge Gov to take further action and introduce a social tariff. #winterfuelpayment