David Mendes da Costa – Medium

David Mendes da Costa

David Mendes da Costa
in
We are Citizens Advice

Essential Service, Essential Oversight: Putting consumers at the heart of markets

Changing culture in markets and their regulators

6 min readFeb 23, 2024

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Essential Service, Essential Oversight: Putting consumers at the heart of markets

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David Mendes da Costa
in
We are Citizens Advice

The Consumer Duty is here, but will it work?

Here’s 3 tests we have of the new approach to regulation

6 min readJul 31, 2023

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The Consumer Duty is here, but will it work?

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David Mendes da Costa
in
We are Citizens Advice

Ofcom needs to move faster to protect consumers

4 min readFeb 9, 2023

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Ofcom needs to move faster to protect consumers

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David Mendes da Costa

If we want growth, we need to tackle lazy money in our economy

Regulation, done well, can help both consumers and the economy

6 min readDec 4, 2022

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If we want growth, we need to tackle lazy money in our economy

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David Mendes da Costa
in
We are Citizens Advice

There’s a crisis brewing in the mortgage market — but we have a chance to prevent it

We know that people struggling with mortgages often don’t ask for support which could help. That’s why lenders need to take the first step…

4 min readOct 27, 2022

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There’s a crisis brewing in the mortgage market — but we have a chance to prevent it

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David Mendes da Costa

People are cancelling vital insurance due to the cost of living.

The cost of living crisis has laid bare the cracks which exist in essential markets. Shocks whose origin lies way outside of people’s…

7 min readOct 13, 2022

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People are cancelling vital insurance due to the cost of living.

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David Mendes da Costa

David Mendes da Costa

Principle policy manager at Citizens Advice focused on consumer policy. Interested in markets as they behave in the wild — not on paper. @Dave_MdaC

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