This article examines the recent development of identity theft as a crime within the United States, specifically the appropriation of personal information for the fraudulent adoption of consumer credit accounts. It is demonstrated that identity theft, conceptualized within a discourse of risk,...

In the UK, from the 1990s, the concept of financial exclusion emerged as a focus of policymaking concern. In part, this reflects the growing scale and complexity of personal finance markets and how these are increasingly interwoven into the everyday lives of individuals. However, it is also...

This paper sets out to show how, in recent years, governing authorities have responded to problematic personal debt through the emergent concept of ‘over-indebtedness’. As mainstream consumer credit has become progressively de-moralized, authoritative intervention now turns particular...