Previous events

CHASM presentation




Taxing Banks Fairly Workshop 

This event was held on 2 October 2013.

For more information see our event programme (PDF) 

The financial wellbeing of the Birmingham Community

This public event was held on 24 April 2013 at the University of Birmingham. It was jointly hosted by CHASM and Citysave Credit Union to discuss financial wellbeing in Birmingham. A number of presentations were given including Angela Clements, CEO of Citysave, David Urquhart, the Bishop of Birmingham, Damon Gibbons, Centre for Responsible Credit, Ricky Joseph and Karen Rowlingson. Journalist Suzanne Virdee chaired the event which ended with a lively debate between the audience and the panel.



Promoting financial inclusion and tackling isolation 

Karen Rowlingson recently chaired the afternoon sessions at this event organised by Inside Government held at the Strand Palace Hotel, London on 10 May 2012. The event included papers from experts in the field from the DWP, CDFA, Toynbee Hall, Barclays, the Financial Inclusion Centre, ABCUL, and AgeUK. More information... 

The future of asset-based policies in the US and UK

CHASM recently hosted a group of leading academics from the US to discuss the future of asset-based policies. Three events were arranged generating high levels of interest and attracting a wide range of participants from government departments, policy think-tanks, funding bodies, the voluntary sector, academia and students. The events provided opportunities for UK audiences to listen, share and discuss ideas around the opportunities and challenges facing the academic and policy communities in both countries and across other parts of the world, in developing asset-based policies since the demise of initiatives such as Child Trust Fund and Saving Gateway.

More information...


ESRC Festival of Social Science

Faith in the City: Communities, Regeneration and Integration - 2 November 2011

Ricky Joseph - Festival of Social ScienceRicky Joseph gave a presentation on some of the key findings drawn from the National Equality Panel's report on inequality which looked at the relationship between asset-holding by ethnicity, race and religious affiliation at the ESRC Festival of Social Science. The Festival is a week-long series of events celebrating the breadth of research undertaken in the UK which ran between 29 October and 5 November. Around 80 people attended this event held at the Green Lane Mosque in the Small Heath area of Birmingham which was organised by Chris Allen from the Institute of Applied Social Studies.

Gleneagles Investment Conference

Paul Cox, Birmingham Business School, attended this investment conference on 17 September 2011, hosted by JP Morgan for industry leaders at Gleneagles Hotel in Scotland. Attendees included senior industry figures, regulators, consumer groups, trade bodies, civil servants and politicians including Ministers. Paul led the workgroups on the Communication of Pension Information to Members of Defined Contribution Schemes. The report is being used widely by standard setters, regulators and practitioners.

The provision of information to members of defined contribution schemes - A review of existing research (PDF)

Roundtable on financial education for young people

This roundtable event held on 16 June 2011, discussed current and future policy, practice and research in relation to financial education. Its main purpose was to share current knowledge in this field and consider ways of developing future work. The event started with an introduction from the Director of CHASM, Karen Rowlingson, followed by presentations from Celia Allaby, Personal Finance Education Group; Linda Jack from the Money Advice Service and Angela Clements, Citysave Credit Union.

Policy, practice and research in relation to financial education - A roundtable event organised by CHASM, 16 June 2011 (PDF)

The Banks and Society: Rebuilding Trust

ECCR and ECCR West Midlands launched their new report on the banking sector entitled 'The Banks and Society: Rebuilding Trust' at this event on 1 March 2011. The Bishop of Birmingham, the Rt rev David Urquhart chaired this event and Andy Mullineux, Deputy Director of CHASM was a panellist, alongside Canon Giles Fraser (St Paul's Cathedral), Damon Gibbons (Centre for Responsible Credit) and Suzanne Ismail (ECCR).

CHASM Briefing Paper: The Banks and Society: Rebuilding Trust (PDF) 


Building the Big Society: What role should banks play?

Andy Mullineux, Deputy Director of CHASM chaired a workshop at the Responsible Credit Convention in London on Tuesday 19 October 2010. Toby Blume (Urban Forum) who had co-organised the workshop and Dr Richard Werner (University of Southampton) were the speakers. Topics covered included:

  • The Big Society Bank - will it have enough funds to make an impact?
  • Dr Richard Werner - Credit Unions - how can they upscale in Britain and have the big banks tried to block their development?
  • Toby Blume - Does the UK need a Community Reinvestment Act (CRA) like the US?

Andy Mullineux discussed how the disclosure requirements under the CRA empowered activists and the CRA was not all about forcing banks to fund Credit Unions and Community Development Finance Institutions (CDFIs) and yet the big banks, despite promises, had not entered vigorously into funding partnership with UK CDFIs (a point made by Brian Pomeroy, Chair, Financial Inclusion Taskforce, in his plenary speech in the morning), so a push seems still to be required for banks to engage. Also CDFIs are potential conduits of micro-business training and a government subsidy could usefully be received for doing this (as in the US, through Small Business Administration). Alternatively the banks could provide the subsidy in return for receiving referrals of business made 'bankable' by CDFIs (and perhaps CUs after they receive new small business lending powers).

Capital taxation of personal and household assets 

Karen Rowlingson presentationThis event was held on 20 July 2010 at Birmingham Business School.

Taxation will be expected to bear at least some of the brunt of funding the way back to a reasonable fiscal deficit position in the UK, however savage cuts in public spending prove possible to do in the near future. Capital taxation is likely to be used to fill part of the revenue gap the tax system is asked to fill, and in fact the new Government has already provided more than a heavy hint that Capital Gains Tax (CGT) rises are inevitable.

This 'think tank' event looked at the current capital tax system in relation to personal and household assets, analysed related announcements of the 22 June budget and revisited the outline plans discussed during the election for other aspects of capital taxation (e.g. possible increases in IHT thresholds) that may set a future agenda for Government in this area of the tax system. The outcome of this event will provide a short and longer term agenda for evidence-based research that academics, and others aiming to influence the policy debate, can engage with.

Housing and finance in later life: A study of equity release

This event held at the Wellcome Collection Conference Centre in London on 23 June 2010, was the launch of independent research into consumers' experience of equity release schemes, carried out by Louise Overton of the University of Birmingham for Age UK.

At this seminar, Louise Overton presented her research based on a survey of over 500 equity release customers. There was also a response from Laurie Edmans, Chairman of Safe Home Income Plans Ltd., Age UK and a consumer representative.

CHASM launch event - 25 May 2010

CHASM audienceThe wealth chasm from inequality to inclusion in housing, pension and financial assets

The Centre on Household Assets and Savings Management (CHASM) Launch Conference was held on 25 May 2010 at the Birmingham Business School, University of Birmingham, and it was attended by over 100 delegates.

At a time of increasing economic uncertainty and growing inequality, the UK, like many other advanced economies, has seen a shift from collective welfare provision towards more individual provision. However, many people appear to lack the financial means or capability to manage this effectively. The University of Birmingham has established a new Centre on Household Assets and Savings Management (CHASM) to investigate these issues. CHASM aims to provide a focus for world-class research on the distribution and role of assets in people's lives from housing to pensions to financial savings. This launch conference discussed some of the key themes of the new Centre. More information....