Latest Publications

This SMF report presents new estimates of industry concentration in consumer markets, exploring the extent to which markets are dominated by a small number of large businesses.

This report explores issues of concentration and competition in consumer markets, and the role that policymakers can play in driving improved outcomes for UK households in these markets.

Insurance Premium Tax (IPT) – covering most general insurance – has increased substantially since its inception in 1994. In particular, since 2011 IPT has climbed rapidly as policymakers have sought...

And, rightly so: too many people feel they are being ripped off and poorer households in particular are vulnerable to unfairly high prices and unfavourable contracts. In a period of...

This SMF report provides new insights into the state of consumer markets in the UK. In particular it examines the extent to which the UK’s consumer markets are competitive and concentrated and the impact this is having on consumer outcomes

Infographic for SMF report Concentration, not competition: the state of UK consumer markets.

This report assesses how the current account market is performing for vulnerable consumers.

This report draws on insights from social psychology and behavioural economics to improve our understanding of consumer behaviour.

This new SMF report explores the demand side of the retail banking market and how consumer behaviour is strengthening competition.