In recent weeks, Bank of England (BoE) and its regulatory arm Prudential Regulation Authority (PRA) have signalled a push to relax capital requirements for UK banks. The official narrative promises “revived lending capacity” — more mortgages, more credit for small and medium-sized enterprises (SMEs), and renewed economic growth. On the surface, this may sound like a welcome turn for households and businesses still feeling the squeeze. But a closer look reveals a far darker reality.
At Academy of Life Planning (AoLP) — and through our initiative Get SAFE — we believe this move must be resisted. Unless accompanied by deep structural reform, loosening capital rules simply unlocks more leverage, more speculative finance, and more pathways for predatory credit — not a healthier, more humane economy.
🔍 1. Why “More Lending Capacity” is a misleading promise
Many banks in the UK already rely heavily on securitisation and significant-risk-transfer (SRT) structures to offload loans (mortgages, SME debt, consumer credit) from their balance sheets. By doing so, they reduce the capital they must hold — without needing a formal regulatory reset.
- That means banks already have built-in “leverage capacity.”
- Consumer credit (credit cards, personal loans, auto finance), and retail mortgages are regularly bundled into securitised pools — shifting hundreds of billions of pounds of risk from the bank to opaque special-purpose vehicles (SPVs).
- Given this structure, further regulatory relaxation does not “release new capacity for real-economy lending.” Instead, it largely enables more financial engineering: more securitisations, more off-balance-sheet vehicles, more fee-driven, short-term profit strategies.
Securitisation is not a sign of prudence. It is a tool for risk dispersion — often away from accountability, transparency, or long-term responsibility.
🏦 2. What the loosened rules will actually do — and where the gains go
With capital rules loosened, banks may:
- Use excess or newly freed capital for shareholder returns (buybacks, dividends), not real-economy lending.
- Engage in more M&A activity, complex structured products, or speculative finance — where returns are high and fees generous.
- Package even more loans into securitised or synthetic structures — shifting risk off-book, building more layers between originators and borrowers.
- Only some of the freed capital may trickle down as real lending — and even then, there is zero guarantee it will flow to socially useful sectors (affordable housing, small-scale SMEs, community enterprises).
In other words: the system becomes more efficient at extracting profit — not at enabling sustainable livelihoods or community-centred enterprise.
⚠️ 3. The moral hazard and structural danger of increased leverage
This is not just an economic critique — it’s a moral and structural one.
- The more leverage and off-balance-sheet activity a bank engages in, the greater the systemic fragility. Defaults — whether at the level of households, small businesses, or larger borrowers — become more dangerous when they feed into opaque SPVs, securitisation chains, or distressed-asset vehicles.
- In many cases, when defaults happen, borrowers and SMEs become prey to distressed-asset strategies: assets get deep-discounted, bought up, repackaged — often without transparency, fairness, or regard for social impact or suicide ideation.
- “Credit access” becomes a lure — a pathway into debt- dependence and structural disadvantage. Especially for vulnerable households or small, mission-driven enterprises, the risk is not just financial loss, but long-term loss of agency, dignity, security, and lives.
That is the essence of moral hazard: perceived gains for financial institutions, socialised losses for individuals and communities.
🌱 4. What real growth looks like — the Human-Capital-First alternative
At AoLP, we take a different view of “wealth” — not as more credit, more debt, more leverage (which actually reduces “total wealth”, source CFA Institute), but as capacity, resilience, dignity, and purpose.
Real economic growth should be measured in:
- Human capital — health, skills, education, social infrastructure, sustainable work, community cohesion.
- True enterprise — small businesses, social ventures, community initiatives that build value over time, not mere short-term profit.
- Financial responsibility and transparency — systems that support fair terms, honest consent, clear risk, and real stewardship.
- Long-term resilience — for individuals, households, communities, not just for shareholders.
We must design economic systems that serve people — not the other way around.
📣 5. Our stance: Why AoLP / Get SAFE rejects loosened capital rules — until structural reform
We reject the BoE’s proposed loosening of capital rules in its current form. Without reforms to securitisation transparency, borrower protections, fair-lending standards, and systemic accountability — this is not a progressive step forward.
Here’s the alternative we propose:
- Regulatory transparency for securitisation and off-balance-sheet vehicles — full visibility of who owns and controls risk; public disclosures; accountability mechanisms.
- Borrower-first protections — safeguards against predatory lending, excessive leverage, aggressive debt enforcement, and distressed-asset profiteering.
- Support for human-capital investment — affordable education, skill development, community finance, social enterprise, sustainable livelihoods.
- A shift in financial culture — from debt-driven growth to value-driven resilience, where credit is a tool — not a crutch.
Until the system is reoriented in this way, “more credit” is not progress — it is peril.
🧭 6. A call to action for our community
If you believe — as we do — that finance should serve life, not exploit it:
- Demand transparency from banks and regulators about securitisation, SPVs, and capital flows.
- Push for borrower-centric regulation, consumer protection, and limits on predatory debt practices.
- Support community finance, social enterprises, and human-capital initiatives — invest in skills, social infrastructure, and purposeful enterprise.
- Join the conversation — through AoLP or Get SAFE — about rethinking what “wealth” really means: not just numbers on a balance sheet, but human dignity, resilience, and flourishing.
🔚 Final Word
Financial capital — credit, leverage, debt — can be a tool. But under our current system it has become a weapon. Relaxing capital rules without structural reform doesn’t build a stronger economy. It builds a deeper financial machine: one optimised for profit, not for people.
If we care about real growth — growth that uplifts households, communities, sustainable enterprises — we need to shift the narrative. We need a human-capital first paradigm. We need accountability, transparency, and above all, realignment of finance with life.
We need structural trustworthiness.
At AoLP and Get SAFE, we stand for that vision. We invite you to stand with us.
We oppose the Bank of England’s move to loosen capital rules for UK banks. In a system where mortgages, SME loans and consumer credit are routinely securitised and shipped into opaque structures, banks already have ample tools to release capital. Relaxing core safeguards in the name of ‘more lending’ simply increases leverage and moral hazard in a market that is still structurally untrustworthy and often predatory. Until we see a regulatory regime that protects borrowers, tackles distressed-asset profiteering and invests in human capital first, ‘better credit access’ is not progress – it is pouring petrol onto a fire and calling it growth.
Get SAFE: A Fellowship for Those Walking Through Fire
Get SAFE is becoming what people are desperately searching for —
a structured, ethical, trauma-informed community for:
- victims of financial exploitation
- whistleblowers
- bereaved families
- citizen investigators
- advocates and moral leaders
The Fellowship is simple but profound:
We gather to recover agency, share truth, deepen courage, and support one another in the long path from harm to justice.
We are not aligned with any regulator, political system, or institution.
Our strength is our independence.
People came alive when they heard it:
“A Fellowship of truth, justice, and recovery — not a bureaucracy.”
“A place where victims are finally believed.”
“A community rooted in courage, not compliance.”
And because of the AI frameworks we’ve introduced, this Fellowship is not just emotional support — it is practical empowerment.
For the first time, ordinary people can:
- build digital dossiers
- reconstruct timelines
- detect patterns of institutional misconduct
- write letters with authority
- expose evidence regulators overlooked
- collaborate safely across cases
- turn pain into purpose
This is how movements begin.
Planning My Life: Preventing Exploitation Before It Starts
What the event also confirmed is this:
People fall into financial exploitation when they fall out of sovereignty.
Planning My Life sits exactly at this junction.
It teaches people:
- how to think independently
- how to plan their lives before planning their money
- how to identify institutional risk
- how to spot predatory sales patterns
- how to avoid product-led advice
- how to stay structurally trustworthy
- how to build a life where no adviser can mislead, confuse, or coerce them
Prevention and recovery are two halves of the same circle.
Get SAFE rescues those already harmed.
Planning My Life equips people so it never happens again.
Together, they form a complete empowerment system.
A New Model of Justice Is Emerging — Built by the People Themselves
The collective energy of the event revealed a truth that no institution dares speak:
When regulators fail, citizens take up the role of regulator.
When governance collapses, the governed take up the role of governance.
When truth is buried, truth-tellers become archivists of justice.
The movement we are seeing now is not political.
It is human.
It is built on:
- transparency
- dignity
- courage
- integrity
- collective intelligence
- and the healing power of community
These are the values Paul Moore lived and died for.
This event honoured him not by remembering his warnings —
but by continuing his fight.
Where We Go From Here
The Academy of Life Planning now carries a responsibility that is both moral and strategic:
To give people the tools to understand their lives,
their finances,
and their evidence —
so exploitation no longer survives in the shadows.
Through:
- Planning My Life (self-sovereignty)
- Get SAFE (justice and recovery)
- AI-as-co-pilot (pattern recognition, empowerment, clarity)
- The Fellowship (community and courage)
- The GAME Plan (a universal cycle of intention-to-manifestation)
…we are building the world that institutions promised but failed to deliver.
A world where truth has a home.
A world where victims are lifted, not shunned.
A world where ordinary people can finally stand equal to the powers that harmed them.
A world where transparency is not a slogan —
it is a lived practice that restores dignity, agency, and hope.
This is the movement Paul Moore began.
This is the movement that rose in that meeting.
This is the movement we now carry forward.
And we will not stop until every victim finds their voice,
every truth comes to light,
and every life stolen by exploitation is honoured through justice.
In One Sentence
Goliathon turns victims of financial exploitation into confident, capable citizen investigators who can build professional-grade cases using structured training, emotional support, and independent AI.
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Purchase today for £2.99 and get your secure link to:
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Link to Goliathon Taster £2.99.
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Every year, thousands across the UK lose their savings, pensions, and peace of mind to corporate financial exploitation — and are left to face the aftermath alone.
Get SAFE (Support After Financial Exploitation) exists to change that.
We’re creating a national lifeline for victims — offering free emotional recovery, life-planning, and justice support through our Fellowship, Witnessing Service, and Citizen Investigator training.
We’re now raising £20,000 to:
Register Get SAFE as a Charity (CIO)
Build our website, CRM, and outreach platform
Fund our first year of free support and recovery programmes
Every £50 donation provides a bursary for one survivor — giving access to the tools, training, and community needed to rebuild life and pursue justice with confidence.
Your contribution doesn’t just fund a project — it fuels a movement.
Support the Crowdfunder today and help us rebuild lives and restore justice.
Join us at: http://www.aolp.info/getsafe
steve.conley@aolp.co.uk | +44 (0)7850 102070
Academy of Life Planning 
Today, the Bank of England announced the first major loosening of bank capital rules since 2008, cutting the Tier 1 capital requirement from 14% to 13% of risk-weighted assets. The stated goal? “Boost lending” to households and businesses.
But let’s ask the real question: boost lending to whom — and at what cost?
Banks already remove liabilities from their balance sheets through securitisation and offshore SPVs, freeing capital to lend — or speculate — without added risk. This change doesn’t create new opportunity for ordinary people or small businesses. It simply amplifies leverage in an already predatory system, one where profits are privatised and losses are socialised.
Even as the Bank warns that asset values are “materially stretched,” especially in the AI and tech sectors, it is inviting another cycle of boom and bust — the same pattern that led to 2008.
At the Academy of Life Planning and Get SAFE, we say: