The Brief

The question of how to make affordable credit available to people across the UK has long been a highly complex and contested public policy issue.

Our Affordable Credit project is seeking to bring new solutions to this area with a focus on identifying alternative options to the commercial high cost credit market.

We have established an Affordable Credit Action Group to oversee work on the recommendations set out in the Gateway to Affordable Credit report.The Group is chaired by the Very Reverend John Chalmers, former Moderator of the General Assembly of the Church of Scotland. Action Group members are: Jamie Black, Consumer and Community Affairs Manager, RBS; Kathryn Chisholm, Social Justice Strategy, Scottish Government; Angus Hogg, Carnegie International Fellow; Peter Kelly, Director, Poverty Alliance; Louise Macdonald, CEO, Young Scot; Sharon McIntyre, Financial Inclusion Project Manager, Wheatley Group; Elma Murray, CEO, North Ayrshire Council; Stephen Pearson, Senior Adviser, Virgin Money; Paul Tyrer, ‎Head of Social Justice Strategy, Scottish Government; and Douglas White, Head of Advocacy, Carnegie UK Trust. Gail Irvine, Senior Policy and Development Officer, Carnegie UK Trust, is Secretariat to the Group.

Niall Alexander has joined the Carnegie UK Trust as an Associate to help develop and implement the recommendations in the Gateway to Affordable Credit report. Niall will support the Action Group with technical and evidence-based work designed to overcome some of the cross-cutting, structural issues that inhibit the expansion of affordable credit.

Speak To

Douglas White

Niall Alexander

Gail Irvine




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