FLA has responded to the Government's Consumer White Paper and OFT's High Cost Credit Review. It supports responsible lending, but is worried there is too much change to regulation in an already contracting market. It thinks this could have serious consequences for the availability of credit. It is also surprised OFT is including the second charge mortgage market in its High Cost Credit Review because a Government review in 2008 was happy with the market, and also the market is suffering lack of funding which means it cannot currently meet consumer demand.