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Brief 43: Creditworthy? The OFT Review of Personal Current Accounts 02.07.13

On 25 January 2013 the OFT issued a Review of the UK personal current account (PCA)
market.1 The Review concluded that “longstanding competition concerns” remain in the
PCA market, but opted to defer the threat of a full market investigation for two years.
This Brief examines the economic rationale for the UK regulators’ continued
preoccupation with intervention in the PCA sector.

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