Should interest rates be capped?

Read Andrew Smith’s latest opinion piece on lending and the availability of credit for the financially excluded, as published on

The idea of capping interest rates is often mentioned in discussion about payday loan companies. However is this really a good suggestion? And what other options are for the financially excluded to obtain credit?

ClearDebt's Andrew Smith guest blogs for Zero CreditClearDebt’s Andrew Smith recently guest-blogged on this topic for Zero Credit – a website which aims to challenge debt stigma and share credit-free living tips. You can view the full article here: Who are the real sharks in legal lending waters?

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