Harnessing mutuality

In 2018-19 representatives of mutuals in the UK (building societies; co-operatives; credit unions; mutual insurers) worked together and with HM Treasury to identify common barriers to their way of business, and policy solutions that would effectively overcome them.

This paper sets out four policy solutions that we consider it would be most immediately practicable and impactful for government to take forward. An evidence-based impact assessment is provided for each.