Finance Innovation Lab

Our vision is a financial system that serves people and planet - one that is democratic, sustainable, just and resilient.

[Fair Banking for All @FBfACampaign]

Why do people on the lowest incomes often pay more to borrow?

Today at midday we're joining Fair By Design in their new #PovertyPremium Deep Dive webinar series to find out, and to explore what needs to change.

More information and sign up - https://t.co/UKbGQ4Y0SP

[Finance Innovation Lab @TheFinanceLab]

New report out this week from our friends at @responsiblecred, highlighting why the goal shouldn't just be to improve access to credit - but to improve access to credit that's safe, affordable, and responsible. https://t.co/kpx2evnEvZ

[Finance Innovation Lab @TheFinanceLab]

What will it take to deliver “good growth in every postcode”?

Our Director of Campaigns sets out why we need a bigger National Wealth Fund, stronger regional banks and a thriving community finance sector to make it a reality.

https://t.co/9oi1djeNUy

[Fair Banking for All @FBfACampaign]

Too many small businesses still struggle to access the finance they need to grow.

CDFIs are stepping in where mainstream lenders fall short. A #FairBankingAct could help scale their role and widen access to fair, affordable credit.

#FairBankingForAll

https://t.co/N8x0rfsonA

[Finance Innovation Lab @TheFinanceLab]

A scaled up National Wealth Fund would deliver the investment needed to provide clean energy for all, create fair green jobs, strengthen local economies and lower bills. So what’s the UK government waiting for? Read our full statement here: https://t.co/xCSfEaFWLS

[Finance Innovation Lab @TheFinanceLab]

1/ Today, we joined with 24 unions, charities & think tanks to call on the UK Government to scale up the National Wealth Fund (NWF) into a world-leading national development bank. Here's why it matters: 👇🧵

[Finance Innovation Lab @TheFinanceLab]

4/ To achieve this, the UK government should enable the NWF to raise its own finance and invest long-term, just like other successful public banks worldwide. This independence would dramatically increase investment and combine fiscal credibility with greater economic ambition.

[Finance Innovation Lab @TheFinanceLab]

Small businesses need access to fair, affordable finance to invest, grow and thrive.

But gaps in mainstream lending are leaving some reliant on expensive, unsustainable debt.

That’s why we’re calling for a #FairBankingAct. @FBfACampaign

https://t.co/7SXYbNDLwD

[Fair Banking for All @FBfACampaign]

Small businesses are being pushed into high-cost debt because too many cannot access fair, affordable finance.

@thetimes shows why we need a #FairBankingAct to hold lenders accountable and make sure businesses can access the credit they need to thrive.

https://t.co/oLMczpq1pG

[Finance Innovation Lab @TheFinanceLab]

“A Fair Banking Act would help turn your ambition of growth in every postcode into practice.”

Great to see @CoopParty and @gareththomasMP backing the @FBfACampaign and helping build momentum for a #FairBankingAct.

#FairBankingForAll

[Co-operative Party @CoopParty]

Big banks have all the data to know they’re underserving Britain’s communities.

Credit unions and community banks should be supported to step up and deliver growth in every postcode.

We’re glad to see Gareth and other Co-operative MPs leading on a new Fair Banking Act.

[Gareth Thomas MP @gareththomasMP]

I’ve coordinated a letter to the Chancellor, signed by @LabourParty & @CoopParty colleagues, calling for a Fair Banking Act to ensure people & viable businesses can access affordable finance wherever they live. Good growth in every postcode needs fair access to finance.

[Finance Innovation Lab @TheFinanceLab]

The Chancellor says the next chapter of Britain’s growth story will be written in more places.

To help make that happen, 29 MPs have written to him calling for a #FairBankingAct.

#FairBankingForAll @FBfACampaign @gareththomasMP

https://t.co/74MRSpSQQT

[Fair Banking for All @FBfACampaign]

📢 29 MPs have written to Chancellor John Healey calling for a #FairBankingAct to expand affordable credit and support growth in every postcode.

#FairBankingForAll @gareththomasMP

https://t.co/wfSlKLRlkO

[Jesse Griffiths @JesseLGriffiths]

The Energy Transition Council's 'paradox of progress' - the transition is moving v slow despite cheap clean energy.

I'd argue this is about relative financing costs - govts need to make clean financing cheap & fossil fuel financing expensive.

https://t.co/hEaNLyi74S

[Fair Banking for All @FBfACampaign]

With the UK’s first Labour and Co-operative Prime Minister, and a commitment to double the co-operative & mutuals economy, there’s a real opportunity to strengthen local economies & get more investment into communities.

A #FairBankingAct can help deliver it.

#FairBankingForAll

[Finance Innovation Lab @TheFinanceLab]

The Lab is closed this week. Here’s why 👇

As an organisation holding others to account, we have to live by the values we inspire in others.

To keep our work sustainable and our team resilient, we close every August for a week of rest.

Back on Monday 24 Aug! 🌿

[Finance Innovation Lab @TheFinanceLab]

The Lab is closed this week. Here’s why 👇

As an organisation holding others to account, we want to live by the values we inspire in others. To keep our work sustainable and our team resilient, we close every August for a week of rest.

Back on Monday 24 Aug 🌿

[Co-operative Party @CoopParty]

Barclays made £3.3bn profit last quarter alone.

UK community lenders, who reach the small businesses banks turn away, lent just £181m in the whole of 2025.

Gareth Thomas MP wants Barclays, Santander and HSBC to each put in £10m, and a Fair Banking Act to make sure they do.