Briefing papers

CHASM BP11-2017 [PDF]
The age factor – tax problems experienced by older people
Professor Jane Frecknall-Hughes, The Open University and Professor Andy Lymer, Birmingham Business School, University of Birmingham.

CHASM BP10-2017 [PDF]
The Evidence: what psychologists say about tax compliance
Dr Diana Onu, University of Exeter and Professor Andy Lymer, Birmingham Business School, University of Birmingham.

CHASM BP9-2017 [PDF]
Making Work Pay: UK Workplace Financial Wellbeing Services
Edward Brunsdon and Margaret May, CHASM Associates.

CHASM BP8-2017 [PDF]
Towards a Financially Inclusive Society in the UK: What Needs to be Done?
Professor Karen Rowlingson, Professor of Social Policy and Deputy Director of CHASM at the University of Birmingham

CHASM BP7-2017 [PDF]
Delay and Pray?
Dr Stuart Stamp, Independent Social Researcher & Research Associate, Department of Applied Social Studies, Maynooth University, Ireland (and CHASM Associate)
Paul Joyce BCL, BL, Senior Policy Analyst, Free Legal Advice Centres, Dublin, Ireland

CHASM BP6-2017 [PDF]
The future role of housing equity as retirement finance
Dr Louise Overton, CHASM, University of Birmingham

CHASM BP5-2017 [PDF]
Responsible lending: lessons from Australia
Gerard Brody, Chief Executive Officer, Consumer Action Law Centre, Australia

CHASM BP4-2017 [PDF]
What makes people save? A comparison of the UK's Housing ISA and Oregon's IDA
Magdalena Nowakowska and James Gregory, CHASM, University of Birmingham

CHASM BP3-2017 [PDF]
Financial exclusion in the UK: Will the House of Lords' Select Committee recommendations solve this problem?
Karen Rowlingson, CHASM, University of Birmingham

CHASM BP2-2017 [PDF]
Is it time for a more inclusive savings policy agenda in the UK?
James Gregory, Andy Lymer and Karen Rowlingson, CHASM, University of Birmingham

CHASM BP1-2017 [PDF]
An alternative to payday: Are Credit Unions the answer?
Dr Lindsey Appleyard, Coventry University

CHASM BP 9-2016 [PDF]
Starting young: the importance of encouraging a savings habit among young people
Steve Stillwell, External Associate of CHASM

CHASM BP 8-2016 [PDF]
Is the defence of asset-based welfare a defence of house prices?
Dr Rajiv Prabhakar, The Open University and CHASM Associate, University of Birmingham

CHASM BP 7-2016 [PDF]
W(h)ither salary sacrifice?
Edward Brunsdon and Margaret May, Honorary Research Fellows, University of Birmingham

CHASM BP 6-2016 [PDF]
Comment on FCA Occasional Paper 17: Access to Financial Services in the UK
John Moss, External Associate Member, CHASM, University of Birmingham

CHASM BP 5-2016 [PDF]
How does the HMRC affect the financial hardship of claimants? A critical discourse analysis of power asymmetries in the UK tax credits system
Sara Closs-Davies, Lecturer in Accounting & Teaching Fellow, Dr. Koen Bartels, Lecturer in Management Studies, and Dr Doris Merkl-Davies, Reader in Accounting, at Bangor University

CHASM BP 4-2016 [PDF]
Beyond the binary of financial in/exclusion: Towards a spectrum of unsecured credit use
Lindsey Appleyard, Karen Rowlingson and Jodi Gardner

CHASM BP 3-2016 [PDF]
Great Expectations: how realistic are political hopes for charity in a time of austerity?
Dr Beth Breeze and Professor John Mohan

CHASM BP 2-2016 [PDF]
It's just not simple. Why is tax so complicated?
Chris Evans

CHASM BP 1-2016 [PDF]
Benefit delivery and underpayment
Jodi Gardner and Karen Rowlingson

CHASM BP13-2015 [PDF]
Public attitudes to tax – Who cares?
Professor Andy Lymer, Birmingham Business School, University of Birmingham.

CHASM BP 12-2015 [PDF]
Becoming independent: the importance of housing for young people
Lee Gregory

CHASM BP 11-2015 [PDF]
The revival of private landlordism in the UK and the mobilisation of housing wealth
Richard Ronald

CHASM BP 10-2015 [PDF]
Is UK Banking Better?
Andy Mullineux

CHASM BP 9-2015 [PDF]
Credit Unions in the UK: Balancing social benefit with economic viability
Zhulieta Dobcheva

CHASM BP 8-2015 [PDF]
Responsible Banking Ordinances for the UK: Making banking competition a 'race to the top'
Carl Packman

CHASM BP 7-2015 [PDF]
Who bears responsibility for the financial crisis?
James Dempsey

CHASM BP 6-2015 [PDF]
Is there (still) a problem with payday lending?
Karen Rowlingson, Lindsey Appleyard, Jodi Gardner

CHASM BP 5-2015 [PDF]
Financial Inclusion: Review of the 2015 General Election party manifestos
Ricky Joseph

CHASM BP 4-2015 [PDF]
Financial Inclusion: Review of Coalition Government Policies 2010-2015
Lindsey Appleyard

CHASM BP 3-2015 [PDF]
Tax Behaviour: A review of existing research
by Ekta Bhayani

CHASM BP 2-2015 [PDF]
SMART pensions in the UK: salary sacrifice and auto-enrolment
by Margaret May

CHASM BP 1-2015 [PDF]
New survey research on public attitudes to wealth taxes
by Karen Rowlingson, Andy Lymer and Rajiv Prabhakar

• Basic bank accounts in Ireland: Not so much a false start as a faulty start
• Should people on low incomes be encouraged to save during an economic downturn?
• UK household food security: A review of existing research
• The child welfare implications of problem debt
• Compensation for loss of pension rights or just working the system?
• Personal financial planning advice: Barriers to access
• Towards a 'cost of credit' cap in the UK: Lessons from Australia
• Future considerations in paying for funerals
• Impact of welfare reform on Your Housing Group
• Improving financial education in schools: the need for research access
• What do we want from the asset effect?

• Some key trends in the private rented sector in England: Analysis of Census
• Do the public really oppose Inheritance Taxes?
• New horizons? The future for UK Payday Loan companies
• The forthcoming 'Flat Rate' State Pension is helpful
• The debate about pension commencement lump sums
• Bank Taxation: FTT or VAT?
• 'Crony capitalism' remuneration committees and executive pay
• The changing remuneration mix for UK top management
• Are credit unions failing or are they repositioning themselves for the future?
• Wealth Taxes: problems and practice around the world
• Socialising the loss, personalising the responsibility, and privatising the response: The Irish policy approach to personal debt post 2008
• Misconceptions of the financial crisis
• What is responsible lending and borrowing?
• Lending to people on low incomes: an overview
• Should the Government tell teachers what to teach? Financial education and the National Curriculum - an uneasy relationship

• UK Autumn Statement 2012: Summary of key changes as they affect personal savings and wealth
• It's Kick-Off for NEST and workplace pensions automatic enrolment
• Automatic enrolment and NEST - the key facts
• Should we introduce a (temporary) wealth tax?
• Philanthropy for Dummies, or why the charity tax cap proposal had to be defeated
• The Retail Distribution Review
• Revisiting Vickers
• Short-termism, Stewardship and the Kay 'Review'
• The credit crunch after 'Project Merlin'
• The social purpose of Banks
• Why the 'Free' Banking scam should be stopped
• Asset inequality and ethnic minority groups
• Community Development Finance Institutions (CDFIs): credit where its due
• Why the UK needs a Community Reinvestment Act (CRA)

• The Independent Commission on Banking's Report and Recommendations
• Is the Financial Transaction Tax (FTT) a good idea?
• Taxing Banks Fairly
• Risk sharing in defined contribution pension schemes
• An introduction to Islamic finance
• Income tax personal allowances matter for household portfolio choice
• The abolition of the default retirement age in the UK
• Redefining financial inclusion in the wake of the financial crisis
• The banks and society: rebuilding trust? 
• The Bank Levy 
• The 'Mirrlees Review' and 'free' banking 
• What is the future for financial inclusion? 
• Project Merlin in context 
• The public duties and social responsibilities of British banks 
• Is there a human right to microcredit? 

• Equity release: what role does it play? What role should it play? 
• Asset based welfare: an uncertain future? 
• Going for broke - Parliamentary Brief Online, September 2010
• Can money bring you happiness? No. 
• In defence of 'death taxes' 
• Financial security of individuals, families and household inheritance; asset management; and personal finance