This report analyses consumer credit access for British low- to middle-income households. It finds that credit is not scarce but frequently unaffordable, with 1.15 million households lent to irresponsibly. It advocates for stronger FCA affordability oversight, interest-free alternatives, and government reforms to social security and insolvency frameworks.

This research examines transitioning sustainable finance into retail-facing products for EU households. While green bond supply is robust, regulatory fragmentation and distribution barriers limit participation. It recommends standardising product architecture and sustainability summaries to integrate these instruments into mainstream saving channels and increase household investment in the climate transition.

This newspaper report outlines Africa's strategic agenda for COP31, emphasising the urgent need to close the climate finance gap. It highlights that while Africa requires up to $277 billion annually for climate goals, it currently receives a fraction of this, primarily through debt-creating loans rather than grants.

This report examines short-termism in UK equity markets, identifying the erosion of trust and misaligned incentives as primary causes. It recommends restoring fiduciary standards, establishing an investors' forum, and reforming executive remuneration to encourage long-term decision-making and sustainable value creation for companies and savers.

This report examines the fracturing of voluntary climate alliances amidst rising legal and political pressure, particularly in the United States. While many banks and asset managers are retreating from collective net-zero commitments, asset owners and European institutions remain resilient. It advocates for integrating climate risk into core fiduciary duties.

This report analyses the dissolution of the Net-Zero Banking Alliance in October 2025. It examines how legal pressures and shifting strategic priorities led to softened climate guidelines. While major US banks withdrew, the study find that most European institutions have maintained their individual decarbonisation and sustainable financing targets.

This NGFS report details practical implementations for assessing nature-related financial risks. Reviewing 35 global initiatives and six case studies, it identifies water-related disruptions as primary risk drivers. Key findings highlight significant sector concentration, supply-chain amplification, and the relative maturity of physical risk modelling compared to transition risk analysis.

This report synthesises 45 assessments across 29 countries to demonstrate the economic case for nature-based infrastructure. It reveals a median benefit-to-cost ratio of 3.21 and an internal rate of return of 38%. The study recommends reforms in public finance and planning to overcome institutional barriers and scale investment.

This report argues that the Ksi Lisims LNG project is a $30-billion risk to Canada. Wholly American-owned, the facility provides few local jobs while requiring significant public subsidies. It faces Indigenous opposition and environmental threats, including methane emissions, increased air pollution, and risks to critical whale populations.

These guidelines provide financial institutions with a three-step methodology to classify circular economy activities in the textile sector. The framework distinguishes systemic circularity from linear efficiency, identifying market opportunities worth USD 700 billion by 2030. It supports transaction structuring, target setting, and regulatory reporting through rigorous environmental and social assessments.

This report examines credit unions as drivers for fairer local economies in the United Kingdom. It highlights financial exclusion, showing only two per cent of the population are members. Recommendations include empowering Pride in Place Neighbourhood Boards and introducing a Fair Banking Act to increase affordable credit access and community reinvestment.

This guidance details how circular economy strategies help banks achieve nature-related targets under the Principles for Responsible Banking. It identifies specific circular interventions across marine, freshwater, and terrestrial ecosystems, highlighting the business case for financing transitions that reduce resource dependency and manage nature-related physical and transition risks.

This report presents a jurisdiction-neutral framework for integrating sustainability risks into bank management. Treating sustainability as a transversal risk driver, it outlines seven core elements including risk strategy, governance, and appetite. Data shows 90 per cent of surveyed banks seek such a structured approach to bridge implementation gaps.

This policy note introduces Indicators for Portfolio-related Emission Performance (I-PEPs). Developed for the Green Finance Alliance, these performance-based metrics enable financial institutions to steer portfolio decarbonisation. The framework focuses on year-on-year emission changes, providing a resource-efficient alternative to traditional accounting-based financed emissions for real-economy transition.

This report outlines the World Bank Group 2026-2030 strategy for fragility, conflict, and violence-affected settings. It introduces four strategic shifts: anticipating risks, adopting differentiated approaches, unifying the jobs agenda, and enhancing operational toolkits. The strategy aims to scale impact through flagship initiatives and improved human resource practices.

This research assesses South Africa’s five largest banks’ management of climate risk. It finds that while climate commitments have accumulated, capital movement remains slow. Nedbank leads the rankings, but the sector generally lacks credible transition plans, specific exclusion policies, and transparent governance mechanisms to ensure accountability for decarbonisation targets.