Governing Poverty in a Neoliberal Age: New Labour and the Case of Financial Exclusion

References

• Aldridge, A. (1998). ‘Habitus and Cultural Capital in the Field of Personal Finance’ Sociological Review, 46(1), pp. 1–23. doi: 10.1111/1467-954X.00087
   Web of Science ®Google Scholar
• Amin, A., Cameron, A., Hudson, R. (2003). ‘The Alterity of the Social Economy’ In LeyshonA.LeeR.WilliamsC. (Ed.), Alternative Economic Spaces, (pp. pp. 27–54). London: Sage.
   Google Scholar
• Atkinson, A. et al. (2007). ‘Levels of Financial Capability in the UK’ Public Money and Management, 27(1), pp. 29–36. doi: 10.1111/j.1467-9302.2007.00552.x
   Web of Science ®Google Scholar
• Bauman, Z. (1998). Work, Consumerism and the New Poor, Buckingham: Open University Press.
   Google Scholar
• Bauman, Z. (2007). Consuming Life, Cambridge: Polity.
   Google Scholar
• Beck, U. (1992). Risk Society: Towards a New Modernity, Cambridge: Polity.
   Google Scholar
• Beck, U. (2008). World at Risk, Cambridge: Polity.
   Google Scholar
• Beck, U., Giddens, A., Lash, S. (1994). Reflexive Modernization: Politics, Tradition and Aesthetics in the Modern Social Order, Cambridge: Polity.
   Google Scholar
• Bennett, T. (2009). ‘Culture, History, Habit’ CRESC Working Paper Series: Working Paper no. 64, Manchester: Centre for Research on Socio-Cultural Change.
   Google Scholar
• Bentham, J. (1818). In Defence of Usury, London: Payne and Foss.
   Google Scholar
• BERR (2008). Transitioning High Risk Low Income Borrowers to Affordable Credit, London: Department for Business, Enterprise and Regulatory Reform.
   Google Scholar
• Bourdieu, P. (1984). Distinction: A Critique of the Social Judgement of Taste, London: Routledge.
   Google Scholar
• Brown, M., Conaty, P., Mayo, E. (2003). Life Saving: Community Development Credit Unions, London: New Economics Foundation.
   Google Scholar
• Burton, D. (2008). Credit and Consumer Society, Abingdon: Routledge.
   Google Scholar
• Byrne, D. (1999), Social Exclusion (Buckingham: Open University Press).
   Google Scholar
• Cameron, A. (2005). ‘Geographies of Welfare and Exclusion: Initial Report’ Progress in Human Geography, 29(2), pp. 194–203. doi: 10.1191/0309132505ph542pr
   Web of Science ®Google Scholar
• Cameron, A. (2006). ‘Geographies of Welfare and Exclusion: Social Inclusion and Exception’ Progress in Human Geography, 30(3), pp. 396–404. doi: 10.1191/0309132506ph614pr
   Web of Science ®Google Scholar
• Caplovitz, D. (1963). The Poor Pay More: Consumer Practices of Low-Income Families, New York: Free Press.
   Google Scholar
• Collard, S. (2007). ‘Toward Financial Inclusion in the UK: Progress and Challenges’ Public Policy and Management, 27(1), pp. 13–20. doi: 10.1017/S0143814X07000621
   Google Scholar
• Collard, S., Kempson, E. (2005). Affordable Credit: The Way Forward, Bristol: Policy Press.
   Google Scholar
• Collard, S., Hale, C., Day, L. (2010). Evaluation of the DWP Growth Fund, Bristol: Personal Finance Research Centre.
   Google Scholar
• Cook, N., Smith, S., Searle, B. (2009). ‘Mortgage Markets and Cultures of Consumption’ Consumption, Markets and Culture, 12(2), pp. 133–54. doi: 10.1080/10253860902840958
   Google Scholar
• Cooper, M. (2008). ‘The Inequality of Security: Winners and Losers in the Risk Society’ Human Relations, 61(9), pp. 1229–58. doi: 10.1177/0018726708094911
   Web of Science ®Google Scholar
• Cutler, T., Waine, B. (2001). ‘Social Insecurity and the Retreat from Social Democracy: Occupational Welfare in the Long Boom and Financialization’ Review of International Political Economy, 8(1), pp. 96–118. doi: 10.1080/09692290010010308
   Web of Science ®Google Scholar
• Datta, K. (2009). ‘Risky Migrants? Low-Paid Migrant Workers Coping with Financial Exclusion in London’ European Urban and Regional Studies, 16(4), pp. 331–44. doi: 10.1177/0969776409340865
   Web of Science ®Google Scholar
• De Goode, M. (2007). ‘Underground Money’ Cultural Critique, 65(Fall), pp. 140–63. doi: 10.1353/cul.2007.0006
   Google Scholar
• De Meza, D., Irlenbusch, B., Reyniers, D. (2008). Financial Capability: A Behavioural Economics Perspective, London: Financial Services Authority.
   Google Scholar
• Dean, M. (1999). Governmentality: Power and Rule in Modern Society, London: Sage.
   Google Scholar
• Department of Work and Pensions (2010). Social Fund Reform: Debt, Credit and Low Income Households, London: HMSO.
   Google Scholar
• Devlin, J. (2005). ‘A Detailed Study of Financial Exclusion in the UK’ Journal of Consumer Policy, 28(1), pp. 75–108. doi: 10.1007/s10603-004-7313-y
   Google Scholar
• Devlin, J. (2009). ‘An Analysis of Influences on Total Financial Exclusion’ Services Industries Journal, 27(8), pp. 1021–36.
   Google Scholar
• DTI (2004). The Effect of Interest Rate Controls in Other Countries, London: Department of Trade and Industry.
   Google Scholar
• Dymski, G., Li, W. (2003). ‘The Macrostructure of Financial Exclusion: Mainstream, Ethnic, and Fringe Banks in Moneyspace’ Espace, Populations, Societies,1 pp. 181–99.
   Google Scholar
• Ellison, A., Collard, S., Foster, R. (2006). Illegal Lending in the UK, Bristol: Personal Finance Research Centre.
   Google Scholar
• Erturk, I. et al. (2005). ‘The Reinvention of Prudence: Household Savings, Financialisation and Forms of Capitalism’ CRESC Working Paper Series: Working Paper no. 11, Manchester: Centre for Research on Socio-Cultural Change.
   Google Scholar
• Erturk, I. et al. (2007). ‘The Democratization of Finance? Promises, Outcomes and Conditions’ Review of International Political Economy, 14(4), pp. 553–75. doi: 10.1080/09692290701475312
   Web of Science ®Google Scholar
• Finlayson, A. (2003). Making Sense of New Labour, London: Lawrence and Wishart.
   Google Scholar
• FIT (2010a). Mainstreaming Financial Inclusion: Managing Money and Access to Banking, London: Financial Inclusion Taskforce.
   Google Scholar
• FIT (2010b). Mainstreaming Financial Inclusion. Planning for the Future and Coping with Financial Pressure: Access to Affordable Credit, London: Financial Inclusion Taskforce.
   Google Scholar
• FIT (2010c). Mainstreaming Financial Inclusion. Dealing with Financial Distress: Access to Debt Advice, London: Financial Inclusion Taskforce.
   Google Scholar
• French, S., Leyshon, A. (2004). ‘The New, New Financial System? Towards a Conceptualization of Financial Reintermediation’ Review of International Political Economy, 11(2), pp. 263–88. doi: 10.1080/09692290420001672804
   Web of Science ®Google Scholar
• French, S., Leyshon, A., Signoretta, P. (2008). ‘“All Gone Now”: The Material, Discursive and Political Erasure of Bank and Building Society Branches in Britain’ Antipode, 40(1), pp. 79–101. doi: 10.1111/j.1467-8330.2008.00566.x
   Web of Science ®Google Scholar
• Froud, J., Johal, S., Williams, K. (2002). ‘Financialisation and the Coupon Pool’ Capital and Class, 78(9), pp. 119–51. doi: 10.1177/030981680207800106
   Google Scholar
• Fuller, D., Jonas, A. (2003). ‘Alternative Financial Spaces’ In LeyshonA.LeeR.WilliamsC. (Ed.), Alternative Economic Spaces, (pp. pp. 55–73). London: Sage.
   Google Scholar
• Gelpi, R., Julien-Labruyère, F. (2000). The History of Consumer Credit: Doctrines and Practices, Basingstoke: Macmillan.
   Google Scholar
• Giddens, A. (1991). Modernity and Self-Identity: Self and Society in the Late-Modern Age, Cambridge: Polity.
   Google Scholar
• Hayton, K. (2002). ‘Tackling Financial Exclusion through Credit Unions’ Scottish Affairs, 39(Spring), pp. 54–70.
   Google Scholar
• HM Treasury (1999). Access to Financial Services – Report of PAT 14, London: HM Treasury.
   Google Scholar
• HM Treasury (2004). Promoting Financial Inclusion, Norwich: HMSO.
   Google Scholar
• HM Treasury (2007). Financial Inclusion: The Way Forward, Norwich: HMSO.
   Google Scholar
• Hogarth, J., O'Donnell, K. (2000). ‘If You Build It, Will They Come? A Simulation of Financial Product Holdings among Low-to-Moderate Income Households’ Journal of Consumer Policy, 23(4), pp. 409–44. doi: 10.1023/A:1007222700931
   Google Scholar
• Hunt, A. (2002). ‘Risk and Moralization in Everyday Life’ In EricsonR.DoyleA. (Ed.), Risk and Morality, (pp. pp. 165–92). Toronto: University of Toronto Press.
   Google Scholar
• Johnson, P. (1985). Saving and Spending: Working-Class Economy in Britain, 1870–1939, Oxford: Clarendon Press.
   Google Scholar
• Jones, P. (2006). ‘Giving Credit Where It's Due: Promoting Financial Inclusion through Quality Credit Unions’ Local Economy, 21(1), pp. 36–48. doi: 10.1080/02690940500504814
   Google Scholar
• Kempson, E. and Atkinson, S. (2006), Overstretched: People at Risk of Financial Difficulties (Bristol: Personal Finance Research Centre).
   Google Scholar
• Kempson, E., Whyley, C. (1999). Kept in or Opted out? Understanding and Combating Financial Exclusion, Bristol: Policy Press.
   Google Scholar
• Kempson, E., McKay, S. and Willitts, M. (2004), Characteristics of Families in Debt and the Nature of Indebtedness (London: Department of Work and Pensions).
   Google Scholar
• Kempson, E. et al. (2000). In or Out? Financial Exclusion: A Literature and Research Review, London: Financial Services Authority.
   Google Scholar
• Kempson, E. et al. (2008). Is a Not-For-Profit Home Credit Business Feasible?, York: Joseph Rowntree Foundation.
   Google Scholar
• Langley, P. (2008). The Everyday Life of Global Finance: Saving and Borrowing in Anglo-America, Oxford: Oxford University Press.
   Google Scholar
• Langley, P. (2009). ‘Consumer Credit, Self Discipline and Risk Management’ In ClarkG.DixonA.MonA. (Ed.), Managing Financial Risks: From Global to Local, (pp. pp. 280–300). Oxford: Oxford University Press.
   Google Scholar
• Lash, S. (1993), ‘Reflexive Modernization: The Aesthetic Dimension’, Theory, Culture and Society, 10 (1), pp. 1–23.
   Google Scholar
• Lazzarato, M. (2009). ‘Neoliberalism in Action: Inequality, Insecurity and the Reconstitution of the Social’ Theory, Culture and Society, 26(6), pp. 109–33. doi: 10.1177/0263276409350283
   Web of Science ®Google Scholar
• Levitas, R. (2005). Social Exclusion and New Labour, 2nd ed., Basingstoke: Palgrave.
   Google Scholar
• Leyshon, A., Thrift, N. (1995). ‘Geographies of Financial Exclusion: Financial Abandonment in Britain and the United States’ Transactions of the Institute of British Geographers, 20(3), pp. 312–41. doi: 10.2307/622654
   Web of Science ®Google Scholar
• Leyshon, A., Thrift, N. (1996). ‘Financial Exclusion and the Shifting Boundaries of the Financial System’ Environment and Planning A, 28(7), pp. 1150–56.
   Web of Science ®Google Scholar
• Leyshon, A. et al. (2004). ‘Towards an Ecology of Retail Financial Services: Understanding the Persistence of Door-to-Door Credit and Insurance Providers’ Environment and Planning A, 36(4), pp. 625–45. doi: 10.1068/a3677
   Web of Science ®Google Scholar
• Leyshon, A. et al. (2006). ‘Walking with Moneylenders: The Ecology of the UK Home-Collected Credit Industry’ Urban Studies, 43(1), pp. 161–86. doi: 10.1080/00420980500409326
   Web of Science ®Google Scholar
• Leyshon, A., French, S., Signoretta, P. (2008). ‘Financial Exclusion and the Geography of Bank and Building Society Branch Closure in Britain’ Transactions of the Institute of British Geographers, 33(4), pp. 447–65. doi: 10.1111/j.1475-5661.2008.00323.x
   Web of Science ®Google Scholar
• Leyshon, A., Thrift, N., Pratt, J. (1998). ‘Reading Financial Services: Texts, Consumers, and Financial Literacy’ Environment and Planning D: Society and Space, 16(1), pp. 29–55. doi: 10.1068/d160029
   Web of Science ®Google Scholar
• Marron, D. (2009). Consumer Credit in the United States: A Sociological Perspective from the 19^th Century to the Present, New York: Palgrave.
   Google Scholar
• Marron, D. (2012). ‘Producing Over-Indebtedness: Risk, Prudence and Consumer Vulnerability’ Journal of Cultural Economy, 5(4), pp. 407–21. doi: 10.1080/17530350.2012.703144
   Web of Science ®Google Scholar
• Marshall, J. (2004). ‘Financial Institutions in Disadvantaged Areas: A Comparative Analysis of Policies Encouraging Financial Inclusion in Britain and the United States’ Environment and Planning A, 36(2), pp. 241–61. doi: 10.1068/a3664
   Web of Science ®Google Scholar
• Martin, R. (2002). Financialization of Daily Life, Philadelphia: Temple University Press.
   Google Scholar
• McFall, L. (2009). ‘The Agencement of Industrial Branch Life Assurance’ Journal of Cultural Economy, 2(1–2), pp. 49–65. doi: 10.1080/17530350903063933
   Google Scholar
• Midgley, J. (2005). ‘Financial Inclusion, Universal Banking and Post Offices in Britain’ Area, 37(3), pp. 227–85. doi: 10.1111/j.1475-4762.2005.00631.x
   Web of Science ®Google Scholar
• Mitton, L. (2008). Financial Inclusion in the UK: Review of Policy and Practice, York: Joseph Rowntree Foundation.
   Google Scholar
• O'Connell, S. (2009). Credit and Community: Working-Class Debt in the UK since 1880, Oxford: Oxford University Press.
   Google Scholar
• O'Malley, P. (2004). Risk, Uncertainty and Government, London: Glasshouse.
   Google Scholar
• Pakulski, J., Waters, M. (1995). The Death of Class, London: Sage.
   Google Scholar
• Palmer, H., Conaty, P. (2002). Profiting from Poverty, London: New Economics Foundation.
   Google Scholar
• Pike, A., Pollard, J. (2010). ‘Economic Geographies of Financialization’ Economic Geography, 86(1), pp. 29–51. doi: 10.1111/j.1944-8287.2009.01057.x
   Web of Science ®Google Scholar
• Rose, N. (1999). Powers of Freedom: Reframing Political Thought, Cambridge: Cambridge University Press.
   Google Scholar
• Rose, N., Miller, P. (1992). ‘Political Power beyond the State: Problematics of Government’ British Journal of Sociology, 43(2), pp. 173–205. doi: 10.2307/591464
   Web of Science ®Google Scholar
• Rowlingston, K. (2002). ‘Private Pension Planning: The Rhetoric of Responsibility, the Reality of Insecurity’ Journal of Social Policy, 31(4), pp. 623–42.
   Google Scholar
• Shamir, R. (2008). ‘The Age of Responsibilization: On Market-Embedded Morality’ Economy and Society, 37(1), pp. 1–19. doi: 10.1080/03085140701760833
   Web of Science ®Google Scholar
• Skeggs, B. (2004). Class, Self, Culture, London: Routledge.
   Google Scholar
• Soederberg, S. (2007). ‘Freedom, Ownership, and Social (In-)Security in the United States’ Cultural Critique, 65(Fall), pp. 92–114. doi: 10.1353/cul.2007.0011
   Google Scholar
• Taylor, A. (2002). Working Class Credit and Community since 1918, Basingstoke: Palgrave.
   Google Scholar
• Taylor-Gooby, P. (2008). ‘Choice and Values: Individualised Rational Action and Social Goals’ Journal of Social Policy, 37(2), pp. 167–85. doi: 10.1017/S0047279407001699
   Web of Science ®Google Scholar
• Thaler, R., Sustein, C. (1998). Nudge: Improving Decisions about Health, Wealth and Happiness, Newhaven, CT: Yale University Press.
   Google Scholar
• Watson, M. (2008). ‘The Split Personality of Prudence in the Unfolding Political Economy of New Labour’ The Political Quarterly, 79(4), pp. 578–89. doi: 10.1111/j.1467-923X.2008.00960.x
   Web of Science ®Google Scholar
• Willis, L. (2008). ‘Against Financial Literacy Education’ Iowa Law Review, 94(1), pp. 197–285.
   Web of Science ®Google Scholar
• Willis, L. (2009). ‘Evidence and Ideology in Assessing the Effectiveness of Financial Literacy Education’ San Diego Law Review, 46(2), pp. 415–58.
   Google Scholar
• Young, J. (2007). The Vertigo of Late Modernity, London: Sage.
   Google Scholar