Payday financing into the UK: the regul(aris)ation of the necessary evil? Abstract Concern in regards to the use that is increasing of financing led the united kingdom’s Financial Conduct Authority to introduce landmark reforms in 2014/15. While these reforms have actually generally been welcomed as an easy way of curbing ‘extortionate’ and ‘predatory’ lending, this paper presents a far more nuanced picture centered on a theoretically-informed analysis for the development and nature of payday financing along with initial and rigorous qualitative interviews with clients. We argue that payday lending is continuing to grow due to three major and inter-related styles: growing earnings insecurity for folksRead More →