The year 2022 marks a pivotal moment in the evolution of consumer finance and borrowing in the UK. The macroeconomic environment is constantly shifting, and increasing cost of living pressures are already impacting consumers. Our Consumer Credit 2022 white paper features original consumer research on the current financial situation for UK consumers, their ability to access credit and their changing financial habits. It aims to contrast the findings of this year’s research with the findings of the Consumer Credit 2020 report to draw conclusions about the evolution of consumer finance in the UK.