Finance Innovation Lab
@thefinancelab.bsky.social
The Finance Innovation Lab builds power to transform the financial system for people and planet.
Reposted by Finance Innovation Lab
People want to retire with a decent income and a liveable planet. 🌎💷
New research by @thefinancelab.bsky.social and LINGO finds that UK pensions are still backing coal - threatening both.
⌛ The Government must act ⌛
financeinnovationlab.org/insights/uk-...
New research by @thefinancelab.bsky.social and LINGO finds that UK pensions are still backing coal - threatening both.
⌛ The Government must act ⌛
financeinnovationlab.org/insights/uk-...
UK Pension Schemes and Thermal Coal - Finance Innovation Lab
This research briefing, produced in partnership with the Leave it in the Ground Initiative, estimates the amount of UK pension savings that remain invested in companies involved in the extraction or b...
financeinnovationlab.org
February 5, 2026 at 11:25 AM
People want to retire with a decent income and a liveable planet. 🌎💷
New research by @thefinancelab.bsky.social and LINGO finds that UK pensions are still backing coal - threatening both.
⌛ The Government must act ⌛
financeinnovationlab.org/insights/uk-...
New research by @thefinancelab.bsky.social and LINGO finds that UK pensions are still backing coal - threatening both.
⌛ The Government must act ⌛
financeinnovationlab.org/insights/uk-...
Reposted by Finance Innovation Lab
Divesting from thermal coal is good for pension savers and planet.
That’s why I and @greenparty.org.uk support amendment to #PensionSchemesBill to make pension schemes phase out investments in the most polluting fossil fuels
#ClimateEmergency #PublicHealth
That’s why I and @greenparty.org.uk support amendment to #PensionSchemesBill to make pension schemes phase out investments in the most polluting fossil fuels
#ClimateEmergency #PublicHealth
More than £10.5bn of UK pension savings are invested in thermal coal - the world’s dirtiest fossil fuel.
That’s bad for pension savers, the economy, and the climate.
Read our new research with LINGO Initiative.
filab.uk/3ZNdX8O
That’s bad for pension savers, the economy, and the climate.
Read our new research with LINGO Initiative.
filab.uk/3ZNdX8O
February 6, 2026 at 3:27 PM
Divesting from thermal coal is good for pension savers and planet.
That’s why I and @greenparty.org.uk support amendment to #PensionSchemesBill to make pension schemes phase out investments in the most polluting fossil fuels
#ClimateEmergency #PublicHealth
That’s why I and @greenparty.org.uk support amendment to #PensionSchemesBill to make pension schemes phase out investments in the most polluting fossil fuels
#ClimateEmergency #PublicHealth
UK pension funds are still financing coal expansion abroad — despite the UK phasing out coal at home.
“It is absurd that our pension funds continue to finance its expansion overseas.”
Our new briefing shows why it’s time to divest.
👉 filab.uk/3O07Qvn
“It is absurd that our pension funds continue to finance its expansion overseas.”
Our new briefing shows why it’s time to divest.
👉 filab.uk/3O07Qvn
February 9, 2026 at 8:42 AM
UK pension funds are still financing coal expansion abroad — despite the UK phasing out coal at home.
“It is absurd that our pension funds continue to finance its expansion overseas.”
Our new briefing shows why it’s time to divest.
👉 filab.uk/3O07Qvn
“It is absurd that our pension funds continue to finance its expansion overseas.”
Our new briefing shows why it’s time to divest.
👉 filab.uk/3O07Qvn
Reposted by Finance Innovation Lab
New @thefinancelab.bsky.social research shows UK pension schemes have c. £10.5bn invested in coal companies.
Peers have proposed practical changes to the #PensionsSchemesBill to support an orderly divestment - to protect pension savers and the planet.
financeinnovationlab.org/insights/uk-...
Peers have proposed practical changes to the #PensionsSchemesBill to support an orderly divestment - to protect pension savers and the planet.
financeinnovationlab.org/insights/uk-...
UK Pension Schemes and Thermal Coal - Finance Innovation Lab
This research briefing, produced in partnership with the Leave it in the Ground Initiative, estimates the amount of UK pension savings that remain invested in companies involved in the extraction or b...
financeinnovationlab.org
February 5, 2026 at 1:43 PM
New @thefinancelab.bsky.social research shows UK pension schemes have c. £10.5bn invested in coal companies.
Peers have proposed practical changes to the #PensionsSchemesBill to support an orderly divestment - to protect pension savers and the planet.
financeinnovationlab.org/insights/uk-...
Peers have proposed practical changes to the #PensionsSchemesBill to support an orderly divestment - to protect pension savers and the planet.
financeinnovationlab.org/insights/uk-...
More than £10.5bn of UK pension savings are invested in thermal coal - the world’s dirtiest fossil fuel.
That’s bad for pension savers, the economy, and the climate.
Read our new research with LINGO Initiative.
filab.uk/3ZNdX8O
That’s bad for pension savers, the economy, and the climate.
Read our new research with LINGO Initiative.
filab.uk/3ZNdX8O
February 5, 2026 at 9:13 AM
More than £10.5bn of UK pension savings are invested in thermal coal - the world’s dirtiest fossil fuel.
That’s bad for pension savers, the economy, and the climate.
Read our new research with LINGO Initiative.
filab.uk/3ZNdX8O
That’s bad for pension savers, the economy, and the climate.
Read our new research with LINGO Initiative.
filab.uk/3ZNdX8O
Without changes to ensure everyone can save enough, pensioner poverty will only grow.
We’re developing proposals for a minimum pension saving level which could deliver a decent retirement income for all.
Read our latest blog: filab.uk/3O0pOh1
#FairPensions
We’re developing proposals for a minimum pension saving level which could deliver a decent retirement income for all.
Read our latest blog: filab.uk/3O0pOh1
#FairPensions
Pension Adequacy: A new approach to ensure everyone saves enough - Finance Innovation Lab
This article was written by Tom Shields Policy and Public Affairs Manager. Two decades ago, the government established the Turner Commission to propose policy solutions to fix the UK’s pensions…
filab.uk
January 23, 2026 at 5:12 PM
Without changes to ensure everyone can save enough, pensioner poverty will only grow.
We’re developing proposals for a minimum pension saving level which could deliver a decent retirement income for all.
Read our latest blog: filab.uk/3O0pOh1
#FairPensions
We’re developing proposals for a minimum pension saving level which could deliver a decent retirement income for all.
Read our latest blog: filab.uk/3O0pOh1
#FairPensions
Big moment for fair finance.
Gareth Thomas MP’s Ten Minute Rule Bill for a Fair Banking Act has passed. It would rate banks on equitable access to credit and push real support for underserved communities and SMEs
@gareththomasmp.bsky.social @fbfacampaign.bsky.social
#FairBankingForAll
Gareth Thomas MP’s Ten Minute Rule Bill for a Fair Banking Act has passed. It would rate banks on equitable access to credit and push real support for underserved communities and SMEs
@gareththomasmp.bsky.social @fbfacampaign.bsky.social
#FairBankingForAll
January 19, 2026 at 12:45 PM
Big moment for fair finance.
Gareth Thomas MP’s Ten Minute Rule Bill for a Fair Banking Act has passed. It would rate banks on equitable access to credit and push real support for underserved communities and SMEs
@gareththomasmp.bsky.social @fbfacampaign.bsky.social
#FairBankingForAll
Gareth Thomas MP’s Ten Minute Rule Bill for a Fair Banking Act has passed. It would rate banks on equitable access to credit and push real support for underserved communities and SMEs
@gareththomasmp.bsky.social @fbfacampaign.bsky.social
#FairBankingForAll
Reposted by Finance Innovation Lab
Yesterday, Labour and Co-operative MP for Harrow West Gareth Thomas introduced the Fair Banking Bill.
It's based on legislation that's worked in the USA, and would transform access to finance for low income individuals and small and medium sized businesses.
It's based on legislation that's worked in the USA, and would transform access to finance for low income individuals and small and medium sized businesses.
January 15, 2026 at 11:04 AM
Yesterday, Labour and Co-operative MP for Harrow West Gareth Thomas introduced the Fair Banking Bill.
It's based on legislation that's worked in the USA, and would transform access to finance for low income individuals and small and medium sized businesses.
It's based on legislation that's worked in the USA, and would transform access to finance for low income individuals and small and medium sized businesses.
Great news from @fbfacampaign.bsky.social 👏
And it passed! A huge thank you to @gareththomasmp.bsky.social for taking forward the Financial Exclusion & Access to Finance Bill, based on the #FairBankingAct.
@thefinancelab.bsky.social @buildingsocieties.bsky.social @fsb-uk.bsky.social @coopparty.party.coop
#FairBankingForAll
@thefinancelab.bsky.social @buildingsocieties.bsky.social @fsb-uk.bsky.social @coopparty.party.coop
#FairBankingForAll
January 14, 2026 at 4:35 PM
Great news from @fbfacampaign.bsky.social 👏
Reposted by Finance Innovation Lab
We're backing Gareth Thomas' Fair Banking Act to help transform communities using credit unions and community finance.
It's time the banks helped out the communities they're supposed to serve.
It's time the banks helped out the communities they're supposed to serve.
It's time the banks helped out the communities they're supposed to serve.
We're backing Gareth Thomas' Fair Banking Act to help transform communities using credit unions and community finance.
party.coop | @coopparty
youtu.be
January 14, 2026 at 10:00 AM
We're backing Gareth Thomas' Fair Banking Act to help transform communities using credit unions and community finance.
It's time the banks helped out the communities they're supposed to serve.
It's time the banks helped out the communities they're supposed to serve.
Reposted by Finance Innovation Lab
1/ 🧵High-cost credit is holding people & #SMEs back.
@gareththomasmp.bsky.social calls for government action to expand #AffordableCredit - tackling the cost of living crisis & supporting economic growth through a #FairBankingAct.
@politicshome.bsky.social
#FairBankingForAll
bit.ly/3Nk0v9G
@gareththomasmp.bsky.social calls for government action to expand #AffordableCredit - tackling the cost of living crisis & supporting economic growth through a #FairBankingAct.
@politicshome.bsky.social
#FairBankingForAll
bit.ly/3Nk0v9G
We need a Fair Banking Act to tackle the cost of living with more affordable loans
Tackling the cost-of-living crisis and delivering sustained growth on high streets up and down the country requires our high street banks to do mor...
www.politicshome.com
January 14, 2026 at 10:16 AM
1/ 🧵High-cost credit is holding people & #SMEs back.
@gareththomasmp.bsky.social calls for government action to expand #AffordableCredit - tackling the cost of living crisis & supporting economic growth through a #FairBankingAct.
@politicshome.bsky.social
#FairBankingForAll
bit.ly/3Nk0v9G
@gareththomasmp.bsky.social calls for government action to expand #AffordableCredit - tackling the cost of living crisis & supporting economic growth through a #FairBankingAct.
@politicshome.bsky.social
#FairBankingForAll
bit.ly/3Nk0v9G
Affordable credit is critical for households and businesses. A #FairBankingAct would make banks accountable for expanding fair, affordable lending where it’s needed most. @fbfacampaign.bsky.social @gareththomasmp.bsky.social
#FairBankingForAll
#FairBankingForAll
‘A fair banking act is essential to expand access to affordable credit’ – LabourList
Access to affordable finance can unlock the potential of businesses across the UK, helping them grow and thrive. It can also be a lifeline for…
filab.uk
January 13, 2026 at 4:16 PM
Affordable credit is critical for households and businesses. A #FairBankingAct would make banks accountable for expanding fair, affordable lending where it’s needed most. @fbfacampaign.bsky.social @gareththomasmp.bsky.social
#FairBankingForAll
#FairBankingForAll
Big banks too often underserve small businesses & low-income areas, holding back local economies & harming communities. Labour backbenchers are right to push for lending obligations & transparency, aligning with our calls for a Fair Banking Act.
@fbfacampaign.bsky.social
@gareththomasmp.bsky.social
@fbfacampaign.bsky.social
@gareththomasmp.bsky.social
January 12, 2026 at 1:30 PM
Big banks too often underserve small businesses & low-income areas, holding back local economies & harming communities. Labour backbenchers are right to push for lending obligations & transparency, aligning with our calls for a Fair Banking Act.
@fbfacampaign.bsky.social
@gareththomasmp.bsky.social
@fbfacampaign.bsky.social
@gareththomasmp.bsky.social
Minoritised communities are systematically disadvantaged by our financial system — through biased lending, unfair debt practices and unequal access to support.
The Equity in Finance campaign is playing a critical role in changing this.
#FairBankingForAll
bit.ly/4q7laME
The Equity in Finance campaign is playing a critical role in changing this.
#FairBankingForAll
bit.ly/4q7laME
Black-led debt advice charity calls time on unfair lending and financial bias - Voice Online
Rooted Finance is a pioneering, Black-led debt advice and financial inclusion charity with a vision of a fair, equitable financial landscape
bit.ly
January 8, 2026 at 4:51 PM
Minoritised communities are systematically disadvantaged by our financial system — through biased lending, unfair debt practices and unequal access to support.
The Equity in Finance campaign is playing a critical role in changing this.
#FairBankingForAll
bit.ly/4q7laME
The Equity in Finance campaign is playing a critical role in changing this.
#FairBankingForAll
bit.ly/4q7laME
ShareAction’s latest analysis finds banks are lagging on their climate commitments.
The average score across the 25 banks was just 41%, with only four banks achieving at least half of the available points.
Read the analysis below⏬
shareaction.org/reports/in-d...
The average score across the 25 banks was just 41%, with only four banks achieving at least half of the available points.
Read the analysis below⏬
shareaction.org/reports/in-d...
In Debt to the Planet 2025
ShareAction's latest assessment of environmental and social strategies in the European banking sector
shareaction.org
December 18, 2025 at 10:22 AM
ShareAction’s latest analysis finds banks are lagging on their climate commitments.
The average score across the 25 banks was just 41%, with only four banks achieving at least half of the available points.
Read the analysis below⏬
shareaction.org/reports/in-d...
The average score across the 25 banks was just 41%, with only four banks achieving at least half of the available points.
Read the analysis below⏬
shareaction.org/reports/in-d...
Great to see campaign for #FairBankingAct covered in the Guardian. Too many people in the UK are turning to loan sharks after big banks turn them away.
Credit unions provide a safer, fairer alternative.
@@fbfacampaign.bsky.social #FairBankingForAll
bit.ly/44dqFAv
Credit unions provide a safer, fairer alternative.
@@fbfacampaign.bsky.social #FairBankingForAll
bit.ly/44dqFAv
Forcing UK banks to support credit unions would help keep loan sharks at bay | Heather Stewart
High street banks dodged a windfall tax – now they should invest in growth of local lenders
bit.ly
December 8, 2025 at 3:31 PM
Great to see campaign for #FairBankingAct covered in the Guardian. Too many people in the UK are turning to loan sharks after big banks turn them away.
Credit unions provide a safer, fairer alternative.
@@fbfacampaign.bsky.social #FairBankingForAll
bit.ly/44dqFAv
Credit unions provide a safer, fairer alternative.
@@fbfacampaign.bsky.social #FairBankingForAll
bit.ly/44dqFAv
The Pension Schemes Bill offers a real chance to stop UK pensions funding fossil-fuel expansion — and protect savers for the long term.
Retirement money should help build a stable future — not fund the climate crisis.
It’s time to invest in our future.
bit.ly/4pRCy7C
Retirement money should help build a stable future — not fund the climate crisis.
It’s time to invest in our future.
bit.ly/4pRCy7C
Securing our future: Climate risk and the Pension Schemes Bill
Liberal Democrat MP Manuela Perteghella explains why her party is lobbying to include climate-related investment restrictions in the Pension Schemes Bill, as MPs debate the legislation in its third…
bit.ly
December 4, 2025 at 3:49 PM
The Pension Schemes Bill offers a real chance to stop UK pensions funding fossil-fuel expansion — and protect savers for the long term.
Retirement money should help build a stable future — not fund the climate crisis.
It’s time to invest in our future.
bit.ly/4pRCy7C
Retirement money should help build a stable future — not fund the climate crisis.
It’s time to invest in our future.
bit.ly/4pRCy7C
‘No system can be future-proof if it ignores…climate change and ecosystem collapse’
People deserve pensions that look to the future, not the past.
It’s time to move money into investments that support a secure retirement.
filab.uk/49Pm6jq
People deserve pensions that look to the future, not the past.
It’s time to move money into investments that support a secure retirement.
filab.uk/49Pm6jq
‘We must protect people, planet and pensions’ – LabourList
I’m proud to be part of a Labour government that is committed to fixing the UK’s pensions system. It may not be the first issue…
labourlist.org
December 1, 2025 at 3:18 PM
‘No system can be future-proof if it ignores…climate change and ecosystem collapse’
People deserve pensions that look to the future, not the past.
It’s time to move money into investments that support a secure retirement.
filab.uk/49Pm6jq
People deserve pensions that look to the future, not the past.
It’s time to move money into investments that support a secure retirement.
filab.uk/49Pm6jq
Reposted by Finance Innovation Lab
November 27, 2025 at 1:58 PM
Reposted by Finance Innovation Lab
The government has published their Financial Inclusion Strategy. What comes next?
#FinancialInclusion #AffordableCredit #FairBankingAct #CommunityFinance #FairBankingForAll
@thefinancelab.bsky.social @fairbydesign.bsky.social
financeinnovationlab.org/the-governme...
#FinancialInclusion #AffordableCredit #FairBankingAct #CommunityFinance #FairBankingForAll
@thefinancelab.bsky.social @fairbydesign.bsky.social
financeinnovationlab.org/the-governme...
The government has published their Financial Inclusion Strategy. What comes next? - Finance Innovation Lab
At the end of October, I sat in a room in Glasgow with seven remarkable people. Each of them has had to ask a bank for help at some point, and each of them has been turned away. I listened as they tal...
financeinnovationlab.org
November 25, 2025 at 3:08 PM
The government has published their Financial Inclusion Strategy. What comes next?
#FinancialInclusion #AffordableCredit #FairBankingAct #CommunityFinance #FairBankingForAll
@thefinancelab.bsky.social @fairbydesign.bsky.social
financeinnovationlab.org/the-governme...
#FinancialInclusion #AffordableCredit #FairBankingAct #CommunityFinance #FairBankingForAll
@thefinancelab.bsky.social @fairbydesign.bsky.social
financeinnovationlab.org/the-governme...
Reposted by Finance Innovation Lab
Great to join the conversation in Glasgow! Listening to residents share the challenges they face in accessing affordable credit reinforces why initiatives like the #FairBankingAct matter. Huge thanks to everyone involved for exploring practical steps to boost financial inclusion. #FairBankingForAll
Thank you to Martin Rhodes MP,
@pjferguson.bsky.social, @maureenburke.bsky.social & John Grady MP for meeting Glasgow residents to hear their experiences of being shut out of affordable credit, & how a #FairBankingAct could change this.
#FairBankingForAll
financeinnovationlab.org/youre-left-w...
@pjferguson.bsky.social, @maureenburke.bsky.social & John Grady MP for meeting Glasgow residents to hear their experiences of being shut out of affordable credit, & how a #FairBankingAct could change this.
#FairBankingForAll
financeinnovationlab.org/youre-left-w...
“You’re left with no good options” - Glasgow campaigners urge MPs to back a Fair Banking Act to end high cost credit crisis - Finance Innovation Lab
Glasgow residents from the Fair Banking for All Campaign have met with MPs to demand action on fair and affordable credit, as Glasgow households pay an estimated £4.1 million a year extra due to high-...
financeinnovationlab.org
November 25, 2025 at 2:25 PM
Great to join the conversation in Glasgow! Listening to residents share the challenges they face in accessing affordable credit reinforces why initiatives like the #FairBankingAct matter. Huge thanks to everyone involved for exploring practical steps to boost financial inclusion. #FairBankingForAll
Reposted by Finance Innovation Lab
Great report from @econchange.bsky.social - the UK has made £550bn LESS public investment than the OECD average in the 20 years up to 2024. No wonder our public services are creaking.
An increase in public investment would improve the economy and CUT debt/GDP.
drive.google.com/file/d/1BMUy...
An increase in public investment would improve the economy and CUT debt/GDP.
drive.google.com/file/d/1BMUy...
Closing the Gap - The case for a public investment target.pdf
drive.google.com
November 25, 2025 at 8:58 AM
Great report from @econchange.bsky.social - the UK has made £550bn LESS public investment than the OECD average in the 20 years up to 2024. No wonder our public services are creaking.
An increase in public investment would improve the economy and CUT debt/GDP.
drive.google.com/file/d/1BMUy...
An increase in public investment would improve the economy and CUT debt/GDP.
drive.google.com/file/d/1BMUy...
Reposted by Finance Innovation Lab
Thank you to Martin Rhodes MP,
@pjferguson.bsky.social, @maureenburke.bsky.social & John Grady MP for meeting Glasgow residents to hear their experiences of being shut out of affordable credit, & how a #FairBankingAct could change this.
#FairBankingForAll
financeinnovationlab.org/youre-left-w...
@pjferguson.bsky.social, @maureenburke.bsky.social & John Grady MP for meeting Glasgow residents to hear their experiences of being shut out of affordable credit, & how a #FairBankingAct could change this.
#FairBankingForAll
financeinnovationlab.org/youre-left-w...
“You’re left with no good options” - Glasgow campaigners urge MPs to back a Fair Banking Act to end high cost credit crisis - Finance Innovation Lab
Glasgow residents from the Fair Banking for All Campaign have met with MPs to demand action on fair and affordable credit, as Glasgow households pay an estimated £4.1 million a year extra due to high-...
financeinnovationlab.org
November 25, 2025 at 9:33 AM
Thank you to Martin Rhodes MP,
@pjferguson.bsky.social, @maureenburke.bsky.social & John Grady MP for meeting Glasgow residents to hear their experiences of being shut out of affordable credit, & how a #FairBankingAct could change this.
#FairBankingForAll
financeinnovationlab.org/youre-left-w...
@pjferguson.bsky.social, @maureenburke.bsky.social & John Grady MP for meeting Glasgow residents to hear their experiences of being shut out of affordable credit, & how a #FairBankingAct could change this.
#FairBankingForAll
financeinnovationlab.org/youre-left-w...
Reposted by Finance Innovation Lab
Financial Inclusion, But Who Is Included? A Response to the 2025 Strategy 🙌👇
#FinancialInclusion #AffordableCredit #CommunityFinance #RaceEquity #FairBankingForAll @neweconomics.bsky.social @runnymedetrust.bsky.social
www.linkedin.com/pulse/financ...
#FinancialInclusion #AffordableCredit #CommunityFinance #RaceEquity #FairBankingForAll @neweconomics.bsky.social @runnymedetrust.bsky.social
www.linkedin.com/pulse/financ...
Financial Inclusion, But Who Is Included? A Response to the 2025 Strategy
The new Financial Inclusion Strategy sets out a wide-ranging plan covering banking access, savings, insurance, affordable credit and financial education. There is a lot in it that is positive and wort...
www.linkedin.com
November 24, 2025 at 10:40 AM
Financial Inclusion, But Who Is Included? A Response to the 2025 Strategy 🙌👇
#FinancialInclusion #AffordableCredit #CommunityFinance #RaceEquity #FairBankingForAll @neweconomics.bsky.social @runnymedetrust.bsky.social
www.linkedin.com/pulse/financ...
#FinancialInclusion #AffordableCredit #CommunityFinance #RaceEquity #FairBankingForAll @neweconomics.bsky.social @runnymedetrust.bsky.social
www.linkedin.com/pulse/financ...
Reposted by Finance Innovation Lab
This new Government strategy on financial inclusion is welcome, but it doesn’t go far enough – more change and progress is desperately needed, like a #FairBankingAct
Find out more here: justmoney.org.uk/blog/lets-ma...
Find out more here: justmoney.org.uk/blog/lets-ma...
November 6, 2025 at 2:34 PM
This new Government strategy on financial inclusion is welcome, but it doesn’t go far enough – more change and progress is desperately needed, like a #FairBankingAct
Find out more here: justmoney.org.uk/blog/lets-ma...
Find out more here: justmoney.org.uk/blog/lets-ma...