Access to credit and financial inclusion have been prominent themes in recent weeks, including at the FCA’s Access to Credit Summit, held in partnership with Fair4All Finance, which I attended yesterday. It was encouraging to see growing recognition across policymakers, regulators and stakeholders that financial inclusion cannot be viewed solely through the lens of savings, banking and debt advice. Responsible access to regulated credit also plays an important role in helping consumers manage income shocks, unexpected expenses and periods of financial vulnerability.