If supply were reduced significantly, then customers in the home collect sector would have to either do without credit or seek it elsewhere including from family and friends. A small proportion may turn to illegal moneylenders. Research on this latter point is scant. One of the only indicators we have is a projection in research quoted by the Financial Conduct Authority in the UK several years ago that 6% of home collection customers may turn to illegal moneylenders. While this sounds small, when you apply it to the circa 120,000 home collection customers in 2018 or the c.150,000 home collection customers in 2017, you are talking about approximately 7 – 9,000 people.