This study examines whether the recent UK regulatory decision to introduce a blanket ban on the joint provision of consumer lending and credit insurance was justified. This case has wide regulatory implications following international concerns that the sale of credit insurance has been...

Do banks extract rent from depositors who hold older deposit accounts? This study addressed this question using product level data of the UK instant access (branch based) deposit market. In the context of a deposit market two research questions related to the conditions necessary for...

Mortgage payment protection insurance (hereafter MPPI) provides varying combinations of accident, sickness and unemployment insurance and is used to protect the mortgage payments of policyholders in the event of a fall in income. Recently the provision of this service in the UK has been heavily...