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Consumers looking to apply for credit cards and personal loans could benefit from new government proposals which aim to promote responsible lending and borrowing.

The Department for Business has published ideas for draft regulations that could make lenders check the credit worthiness of consumers before they are allowed to borrow money.

Meanwhile, the measures also suggest that consumers should be able to withdraw from credit agreements within 14 days if they are concerned about things like future debt management.

Consumer affairs minister Kevin Brennan commented that the changes should help a range of people who may have debts.

He added: "These changes will build on the real help we’re already providing for homeowners, savers, pensioners and people with debts."

Under the measures, credit lenders will have to fully explain products they are offering to potential borrowers.

The Financial Services Authority has also focused on consumer protection in recent months, by developing better regulations for the sale and rent back property market.

Under the FSA’s new framework, homeowners looking to ease debts through sale and rent back schemes could benefit from more ethically-minded providers.

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