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Fair By Design @fairbydesign.bsky.social · 4d

"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-...

Reflections on Labour Party Conference 2025

We reflect on some of the key themes of Labour Party Conference this year.

fairbydesign.com

Fair By Design @fairbydesign.bsky.social · 8d

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.

Martin Lewis @martinlewis.moneysavingexpert.com · 9d

The govt should find 100 small things that piss people off & fix em, such as…

Ta to Politico for the vid, at its Labour fringe event, I explained that as big changes take time, govts should also have a team focused on small winnable change.

What little fixes'd you want?

Fair By Design @fairbydesign.bsky.social · 9d

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!

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Reposted by Fair By Design

mariacbooker.bsky.social @mariacbooker.bsky.social · Sep 8

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 🤔

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Fair By Design @fairbydesign.bsky.social · 10d

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.

Fair By Design @fairbydesign.bsky.social · 23d

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.

Fair By Design @fairbydesign.bsky.social · Sep 9

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...

We respond to Scottish Labour consultation on financial inclusion

We call for a bold Financial Inclusion Strategy to tackle poverty premiums & systemic exclusion.

fairbydesign.com

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Fair By Design @fairbydesign.bsky.social · Sep 4

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.

Green Alliance @green-alliance.org.uk · Sep 2

New research | 9 million households in England are spending >10% of their income on energy bills.

Our new report shows how a social tariff could tackle the issue by lifting millions out of fuel poverty at relatively low cost.

Read the report: buff.ly/qTVXOeM

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Affording warm homes: the case for a social tariff to address fuel poverty

In this report, we explore how a social tariff offering percentage discounts on gas and electricity bills could provide far more effective support for households experiencing fuel poverty than existing flat-rate schemes.

green-alliance.org.uk

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Fair By Design @fairbydesign.bsky.social · Aug 27

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

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Fair By Design @fairbydesign.bsky.social · Aug 27

The report shows that tackling fuel poverty requires both immediate support and long-term structural solutions.

Full report
www.publicfirst.co.uk/closing-the-...

Closing the fuel poverty gap: A plan for targeted energy support - Public First

Britain is still living with the aftermath of the energy crisis. While wholesale prices have eased, household energy bills remain more than £700 higher than [...]

www.publicfirst.co.uk

Fair By Design @fairbydesign.bsky.social · Aug 27

In the short term, the Government should deepen the Warm Home Discount:

⚫️ Raise payments to £400.
⚫️ Add a £100 boost for standard credit customers and disabled households with higher energy costs.

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Fair By Design @fairbydesign.bsky.social · Aug 27

Delivering income-linked support at scale is possible but needs Government action. The report sets out a timetable for legislation and data-sharing arrangements.

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Fair By Design @fairbydesign.bsky.social · Aug 27

The report explores different ways to support households in fuel poverty.

Its calls for an automatic payment of up to £700 per year linked to household income, helping lift families out of fuel poverty.

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Fair By Design @fairbydesign.bsky.social · Aug 27

The analysis highlights that low income is the strongest predictor of fuel poverty.

This is why any future energy bill support must be income-based, so it reaches those who need it most.

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Fair By Design @fairbydesign.bsky.social · Aug 27

🚨 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...

Devastating 'fuel poverty gap' doubles in five years with energy prices still ri

'The government must act with urgency to close the devastating gap in support and tackle this crisis.'

metro.co.uk

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Fair By Design @fairbydesign.bsky.social · Aug 21

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...

Fair By Design @fairbydesign.bsky.social · Aug 19

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 ⬇️

The Poverty Alliance @povertyalliance.org · Aug 18

👇There are still some free tickets available for Friday's 'Give Me Some Credit' exhibition at @ScotParl #FestivalofPolitics.
festivalofpolitics.citizenticket.co.uk/events/festi...

Festival of Politics. Give Me Some Credit Friday 22 Aug - 12.30pm. A stylised image of a young woman looking thoughtful and worried, alongside the hands of someone holding a few coins. Text says With costs rising and poverty deepening, too many households are struggling to stay afloat. Join researchers and policy and campaigns experts to hear how financial exclusion impacts on communities, and what we can do about it.

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Fair By Design @fairbydesign.bsky.social · Aug 15

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.

Fair By Design @fairbydesign.bsky.social · Aug 14

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...

Fair By Design @fairbydesign.bsky.social · Aug 4

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...

We’re recruiting a new Public Affairs Manager

Join the Fair By Design team.

fairbydesign.com

Fair By Design @fairbydesign.bsky.social · Jul 29

Full report 📌 wpieconomics.com/wp-content/u...

wpieconomics.com

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Fair By Design @fairbydesign.bsky.social · Jul 29

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.

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Fair By Design @fairbydesign.bsky.social · Jul 22

Our paper offers a range of interventions that could eliminate or significantly reduce the poverty premium including action on premium finance, introducing the Socio-Economic Duty for Regulators and targeted discounts.

Fair By Design @fairbydesign.bsky.social · Jul 22

The car insurance poverty premium remains a significant issue. The FCA’s analysis shows that customers are paying more for their car insurance due to risks outside of their control and if they pay in monthly instalments (via premium finance).

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Fair By Design @fairbydesign.bsky.social · Jul 22

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...

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