Are UK households and businesses well served by its financial services industry? The UK is a world leader in international finance. Yet our families must rely on variable rate and often opaque mortgages that add to housing market and economic volatility. Almost 90 years ago the Macmillan Committee identified a gap between our financial and industrial worlds. Doubts remain about the availability of finance for small and medium size enterprises and that a lack of venture capital holds back our economy. NIESR is regularly commissioned to provide impartial and original evidence on the supply of finance and financial stability.