Reading on regulation of household credit before the financial crisis

Following my presentation last week at the LSE on the regulation of household credit before the financial crisis, I had a request for suggested reading in the area, so I thought I would share some here:

• A Admati and M Hellwig, The Bankers’ New Clothes (Princeton University Press, 2013) 
• A Atkinson and Stephen McKay, et al., ‘Levels of Financial Capability in the UK: Results of a Baseline Survey’ (2006) 
• A Daripa, S Kapur and S Wright, ‘Labour's record on financial regulation’, Oxford Review of Economic Policy (2013), Volume 29, Number 1
• A Mian and A Sufi, House of Debt (University of Chicago Press, 20 May 2015)
• Colin Crouch, ‘Privatised Keynesianism: an Unacknowledged Police Regime’, The British Journal of Politics and International Relations (2009) Vol 11, 382-399 390
• Council of Mortgage Lenders, ‘The evolution of mortgage regulation’ <https://www.cml.org.uk/policy/policy-updates/all/the-evolution-of-mortgage-regulation/> accessed 22 February 2020      
• David Miles, The UK Mortgage Market: Taking a Longer-Term View (March 2004)
• Department for Business Innovation & Skills, Over-indebtedness in Britain: Second follow-up report (March 2010)
• Department for Trade and Industry, Fair, Clear and Competitive: The Consumer Credit Market in the 21st Century (White Paper, Cm 6040, 2003) 65
• Financial Services Authority, ‘A cost-benefit analysis of statutory regulation of mortgage advice’ (18 October 1999)
• Financial Services Authority, ‘Building the new regulator: Progress report 2’ (February 2002)
• Financial Services Authority, Mortgage Market Review, supra note 84, 72
• Financial Services Authority, ‘Mortgage Regulation: The FSA’s high level approach’ (November 2000) CP 70
• Financial Services Authority, The failure of the Royal Bank of Scotland (December 2011) 262
• Financial Services Authority, The Turner Review (March 2009) 39-50, 59, 85
• Gunnar Trumbull, ‘Regulating for Legitimacy: Consumer Credit Access in France and America’, Harvard Business School BGIE Unit Working Paper No. 11-047 (8 November 2010)
• HM Treasury, A new approach to Financial Regulation (CM 8083, June 2011)
• HM Treasury, Evidence of consumer damage reported during Treasury mortgage consultation (January 2000)
• HM Treasury, Regulation of Mortgages (20 July 1999)
• Ian Plenderleith, Review of the Bank of England’s Provision of Emergency Liquidity Assistance in 2008-09 (October 2012)
• Illuminas, Disclosure in the Prime Mortgage Market (Financial Services Authority, 2008)
• I Ramsay and T Williams, ‘The Crash that Launched a Thousand Fixes: Regulation of Consumer Credit after the Lending Revolution and the Credit Crunch’, SSRN (15 September 2009)
• J Montgomerie and M Büdenbender ‘Round the Houses: Homeownership and Failures of Asset-Based Welfare in the United Kingdom’, New Political Economy, (2015) 20:3, 386-405
• Mark Stephens “Mortgage Market Deregulation and its Consequences”, Housing Studies, 22:2, 201-220
• Mervyn King, The End of Alchemy (2016, Little, Brown) 138-140
• Monica Prasad, The Land of Too Much (Harvard University Press, 2012)
• Peter Rodgers, The Bank of England Act (Bank of England Quarterly Bulletin, May 1998)