Fair By Design
@fairbydesign.bsky.social
Ending the #PovertyPremium: the extra costs people on low incomes pay for essential products & services.
Everyone deserves a warm home. On #FuelPovertyAwarenessDay, we urge the Government to act by making energy affordable for all with proper bill support and long-term investment in energy efficiency.
November 26, 2025 at 11:04 AM
Everyone deserves a warm home. On #FuelPovertyAwarenessDay, we urge the Government to act by making energy affordable for all with proper bill support and long-term investment in energy efficiency.
Paying more to pay monthly matters. Most respondents think it’s unfair that paying monthly costs more.
When asked:
📊 53% of car owners agreed
📊 79% of non-car owners agreed
When asked:
📊 53% of car owners agreed
📊 79% of non-car owners agreed
November 20, 2025 at 4:32 PM
Paying more to pay monthly matters. Most respondents think it’s unfair that paying monthly costs more.
When asked:
📊 53% of car owners agreed
📊 79% of non-car owners agreed
When asked:
📊 53% of car owners agreed
📊 79% of non-car owners agreed
Amongst our key findings👇
🔺 Half of non-car owners said the cost of insurance stopped them from owning a car, even when they needed one.
🔺 A quarter of car owners cut back on other essentials to pay for car insurance.
🔺 Half of non-car owners said the cost of insurance stopped them from owning a car, even when they needed one.
🔺 A quarter of car owners cut back on other essentials to pay for car insurance.
November 20, 2025 at 4:32 PM
Amongst our key findings👇
🔺 Half of non-car owners said the cost of insurance stopped them from owning a car, even when they needed one.
🔺 A quarter of car owners cut back on other essentials to pay for car insurance.
🔺 Half of non-car owners said the cost of insurance stopped them from owning a car, even when they needed one.
🔺 A quarter of car owners cut back on other essentials to pay for car insurance.
Access to a car isn’t just about convenience. It helps people get a decent job, attend a good college and access healthcare. That’s why it’s so unjust that high insurance premiums are pricing many low-income households out.
November 20, 2025 at 4:32 PM
Access to a car isn’t just about convenience. It helps people get a decent job, attend a good college and access healthcare. That’s why it’s so unjust that high insurance premiums are pricing many low-income households out.
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-...
Read our full statement here: fairbydesign.com/response-uk-...
November 5, 2025 at 12:53 PM
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-...
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...
Read our full paper 🔗 fairbydesign.com/wp-content/u...
November 3, 2025 at 3:52 PM
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...
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?
With the Strategy’s launch imminent the question remains: will it be bold enough?
October 31, 2025 at 12:29 PM
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?
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.
October 29, 2025 at 2:57 PM
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.
Thanks to Martin Rhodes MP for raising the issue in Parliament.
October 27, 2025 at 3:32 PM
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.
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...
This debt doesn’t affect everyone equally, for more information read our call to action with Rooted Finance.
fairbydesign.com/long-term-me...
October 24, 2025 at 8:15 AM
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...
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...
Read our joint call to action here: fairbydesign.com/long-term-me...
October 17, 2025 at 10:02 AM
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...
Read our joint call to action here: fairbydesign.com/long-term-me...
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!
📍 Find us at Stand G4!
September 30, 2025 at 11:23 AM
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!
📍 Find us at Stand G4!
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.
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.
September 29, 2025 at 10:48 AM
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.
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.
Swing by to check out the exhibition and hear about our latest work.
September 16, 2025 at 9:01 AM
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.
Swing by to check out the exhibition and hear about our latest work.
Our Head of Policy @mariacbooker.bsky.social on today’s new report into targeted energy bill support ⬇️
August 27, 2025 at 4:14 PM
Our Head of Policy @mariacbooker.bsky.social on today’s new report into targeted energy bill support ⬇️
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...
Find out more and apply here: fairbydesign.com/were-recruit...
August 21, 2025 at 7:30 AM
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...
Find out more and apply here: fairbydesign.com/were-recruit...
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.
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.
August 15, 2025 at 9:01 AM
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.
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...
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...
August 14, 2025 at 1:03 PM
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...
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...
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.
Action on the car insurance poverty premium is good for the economy and good for individuals, a no brainer.
July 29, 2025 at 12:41 PM
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.
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...
Full report 🔗 fairbydesign.com/wp-content/u...
July 22, 2025 at 1:13 PM
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...
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.
Here is the response of our Director, Rebecca Deegan.
July 22, 2025 at 9:27 AM
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.
Here is the response of our Director, Rebecca Deegan.
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
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
July 15, 2025 at 9:03 AM
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
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
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...
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...
July 1, 2025 at 9:01 AM
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...
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...
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...
You can view the full exhibition here fairbydesign.com/understandin...
June 26, 2025 at 2:20 PM
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...
You can view the full exhibition here fairbydesign.com/understandin...
Today the Government has announced it will expand the Warm Homes Discount (WHD) this winter.
Here are our thoughts ⬇️
Here are our thoughts ⬇️
June 19, 2025 at 10:26 AM
Today the Government has announced it will expand the Warm Homes Discount (WHD) this winter.
Here are our thoughts ⬇️
Here are our thoughts ⬇️