Taming the Fringe: Pawnbrokers and Payday Lenders

On The Margin
On The Margin
Taming the Fringe: Pawnbrokers and Payday Loans
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In our second episode we interview Craig McMahon, author of the book “Taming The Fringe“.

The book discusses the British payday lending and pawnbrokering markets from 1870 until today. We discuss the business of high cost consumer credit. Why payday loans are so expensive? Are they predatory debt traps preying on vulnerable consumers, or do they serve a valid business need? Why do regulators often feel the need to step in to regulate these markets? How do we strike a balance between protecting consumers and ensuring they have access to credit?