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The capacity of older persons [1] to enjoy a reasonable quality of life in retirement is dependent, to a significant extent, on their financial position. In addition to the means to procure shelter and food, having access to private health insurance or pharmaceuticals is a significant advantage in this demographic, and the means to access social support structures can enhance well-being. As a result of these financial pressures, credit issues resonate with particular force on elderly people. The degree to which this vulnerable group is disadvantaged by credit issues was the subject of a joint project between La Trobe University and the Loddon-Campaspe Community Legal Centre in central Victoria. A survey of the relevant literature and interviews with consumer advocates, financial counsellors, community workers, bank officers and lawyers indicated that, whereas consumer credit for older persons had not raised significant concerns in the past, a range of societal and economic shifts mean that older people in Australia are now more likely to face significant consumer credit issues. Reverse mortgages, credit card debts, economic crimes, intergenerational debt and access to and use of technology are all issues facing older Australians; and particularly those in regional and rural communities.
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