Has anyone else noticed rates creeping up after small, silly mistakes?
#ADHDTax #FinTech #ConsumerDuty #FLI (5/5)

We are moving the FCA from "process compliance" to "outcome-based justice."
FLI is building the tools to automate the defence against this extraction. (4/5)

Here is how it works:
A 2% APR hike on a loan costs far more than the initial late fee. It eats disposable income, making the next payment harder to hit.
The system mistakes "neurodivergent processing" for "financial risk." (3/5)

1. The Trigger: A missed payment (executive dysfunction, not lack of funds).
2. The Penalty: A small fee. Annoying, but fine.
3. The Real Cost: Your credit score dips.
4. The Extraction: Algorithms flag "risk" and hike your APR. (2/5)

The "ADHD Tax" isn't just late fees. It's an algorithmic trap.
The Taskforce report confirmed the £2.3bn/yr cost. But the real damage is what FLI calls "The Cascade Effect".
Here is how the extraction works: 🧵 (1/5)
#ADHD #Neurodiversity