Conclusions and Recommendations

Damon Gibbons ()
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Damon Gibbons: Centre for Responsible Credit

Chapter 5 in Trust and Power in Consumer Credit Relationships, 2026, pp 151-170 from Springer

Abstract: Abstract This concluding chapter synthesises the book’s preceding analysis and maps proposed policy recommendations back onto the trust-power framework developed in Chapter Two. In doing so, it demonstrates the framework’s utility as both a diagnostic tool for identifying systemic failures and a design tool for constructing reforms. The chapter summarises system-level reforms targeting key domains such as coercion at entry, the exercise of trustee power, and the use of control measures, outlining the benefits of a ‘trust-intelligent’ architecture for borrowers, lenders, and regulators. It also addresses the significant barriers to implementation, including institutional incentives, regulatory pressures, and power imbalances. Finally, the chapter points to the framework’s possible application beyond consumer credit, for example with respect to rental housing and welfare programmes. The chapter concludes with a call for further research and experimentation to build more just, resilient, and trustworthy systems.

Date: 2026
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Persistent link: https://EconPapers.repec.org/RePEc:spr:sprchp:978-3-032-13957-3_5

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DOI: 10.1007/978-3-032-13957-3_5

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