More specifically review will aim to improve regulation of consumer credit businesses by ensuring fair practices. Different types of consumer credit transaction will now be included by extending protection to all consumer credit. Rules governing credit licences will also be strengthened, putting debt management companies and rogue moneylenders under closer scrutiny.

Moneylenders will have to provide standard information when advertising financial products so that consumers can compare like-for-like and find best deal. Small print will have to be enlarged to help people avoid getting "stung" with hidden costs and penalties.

The Office of Fair Trading will have power to fine moneylenders and conduct surprise raids on debt companies who fail to follow rules. Consumers will also have more effective options for resolving disputes.

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