Taming the Fringe: The Regulation and Development of the British Payday Lending and Pawnbroking Markets since 1870 (Palgrave Studies in the History of Finance)

Contents
Abbreviations
List of Figures
List of Tables
1 Introduction: Fair Price and Sufficient Profit
	Origins and Themes
	Bibliography
2 Victorian Pawnbrokers: Cancerous Worms of Ruin or the Poor Man’s Banker?
	A Regulated Trade Under Distress
	Conflict, Compromise and the Case for Reform
	Pushing Reform Through Parliament
		Price Controls
		Forfeiture
		The Final Result: The Pawnbrokers Act 1872
	Conclusion
	References
3 Moneylenders: Deeply Rooted Evil or Providers of Quick Cash?
	Judiciary Controversy
		The Judiciary and Market Intervention
	Victorian Regulators Have Their Say, 1897–1900
		High Interest Rates
		Price Controls
		Price Controls Light
		Fraudulent Advertisement and Disclosure Terms
		Trade Names
		The MLA 1900 Concerning Fraud and Transparency
		Aftermath
	Reining in Small-Value Loans 1925–27
		High Interest Rates, Price Controls and Judicial Review
			Advertising
			Terms and Conditions
			Registration and Licensing
	Conclusion
	Bibliography
4 Legitimate Bankers: Pawnbrokers and Moneylenders Join the Premier League
	Market and Political Developments
		Market Background
		Political Background
	The Crowther Committee 1968–1971
		The Borrower
		Price Controls, the Harsh and Unconscionable  Test and the Guidance Rate
		Disclosure Terms
		Enforcement and Licensing
		Final Remarks on the Crowther Committee (1968–1971)
	The Consumer Credit Act 1974
		Price Controls
		Terms of Disclosure
		Enforcement and Licensing
	Conclusion
	Bibliography
5 Small-Loan Providers: Sent Back to the Fringe
	Political and Market Developments
		Political Developments
		Economic Conditions and Developments in the Small-Loan Market, 1970s–2006
	Financial Inclusion and the Consumer Credit Act 2006
		Price Controls
		APR Disclosure
		From Extortionate Lending to Unfair Relationships
		Licensing and Enforcement
		Conclusion to Financial Inclusion and the Consumer Credit Act 2006
	The Global Financial Crisis and Market Expansion
	Price Controls
		Disclosure Terms
	Conclusion
	Bibliography
6 Fintech to the Rescue or Predators in Disguise?
	Market and Policy Developments
		Financial Inclusion Policy Developments
	Banks, Credit Unions and Community Development Financial Institutions
	Fintech and Innovation
	Conclusion
	Bibliography
7 Conclusion: Perceptions Matter
	Bibliography
Principal Persons
Index