Scotland's Credit Unions: Investing in Our Future

Report of the Credit Union Working Group. Review of their work and recommendations to make Scotland an enabling environment for credit unions.


America's Credit Unions (2015)

Bank of England (June 2015), Credit unions - statistics, Quarterly statistics

Barclays Credit Union Programme (Transact)

Chartered Institute for Payroll Professionals

Certificate in Credit Union Principles and Practice

Credit Union Foundation (Lloyds Banking Group's Credit Union Development Fund)

CUNA (Credit Union National Association) (2015)

Dowling, A. (2015), Email to Scottish Government, 16 December.

Filene Research Institute and The Center for Credit Union Innovation LLC (2002), Financial Stress and Workplace Performance: Developing Employer-Credit Union Partnerships

Glasgow City Council, Future Savers

HM Treasury, UK Government (2014), British credit unions at 50: response to the call for evidence

HM Treasury, UK Government (2014), Revised basic bank account agreement

Lanarkshire Credit Union (Savvy Savers)

Lyonette, Mark (2015), A 2020 Vision for Credit Unions

Money Advice Service (2015), The Financial Capability Strategy for the UK

Money Advice Service (2016), The Financial Capability Strategy for Scotland

Payment Services Regulator (2015), PSR MR15/1.1 - Final terms of reference: market review into the supply of indirect access to payment systems

Payments UK, (2015), World Class Payments in the UK - Enhancing the payments experience

Prudential Regulation Authority and Financial Conduct Authority (2015), CP22/15 - Reform of the legacy Credit Unions sourcebook

Renfrewshire Council (iSave)

Renfrewshire Wide Credit Union (Gleniffer High School iSave partner)


Scottish Government (2014), Bankruptcy and Debt Advice (Scotland) Act

StepChange Debt Charity (2014), Cutting the cost of problem debt

StepChange Debt Charity (2015), An Action Plan on Problem Debt,

Tischer, D., Packman, C. and Montgomerie, J. (2015), Gaining Interest: A New Deal for Sustained Credit Union Expansion in the UK, Goldsmiths University of London.

UK Government, Credit Unions Act 1979

UK Youth (2014), Young people and technology

Wallace, T (2015, 11 October), 'Payments system to be smashed wide open for challenger banks', The Telegraph

Wright, J. (2013), Credit Unions: A Solution to Poor Bank Lending?, Civitas

Young Scot Extra Savings Account


Email: Nadia Bessos

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