The project analysed the current regulatory framework for small loan lending and consumer credit in Singapore, and the impact this has on the financial exclusion of low-income borrowers. This information was complemented with detailed empirical research identifying the motivations and circumstances of borrowers under the Moneylenders Act 2008 which will create a ‘debtor’ profile for Singapore. The final report analysed this information and suggested potential approaches for providing affordable credit options to vulnerable consumers in Singapore, ensuring that reform suggestions are tailored specifically to the people who need them the most.