Planning

Credit Union Presence - East Renfrewshire

EAST RENFREWSHIRE COUNCIL

This public procurement record has 1 release in its history.

Planning

19 Mar 2025 at 00:00

PCS Notice - Website Prior Information Notice
Summary of the contracting process

East Renfrewshire Council is seeking to address the closure of the last remaining bank in Barrhead by inviting prospective Credit Union providers to establish a presence in the local areas of Barrhead, Neilston, and Uplawmoor. This procurement, currently in the planning stage, is focused on the industry category of General Public Services, specifically targeting financial services for tackling poverty and offering affordable credit. The Council is particularly interested in Credit Unions that can offer both online and part-time face-to-face services. Interested providers must submit their responses by 12 noon on Monday, 14 April 2025, with the procurement process set to progress by 1 July 2025. The initiative is part of a broader commitment to community support involving partners like Voluntary Action East Renfrewshire and the Barrhead Housing Association.

This tender represents a significant opportunity for Credit Unions looking to expand their services in the East Renfrewshire area. It is ideally suited for businesses authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, with experience in delivering both online and in-person financial services. The opportunity to collaborate with community partners and potentially receive support for start-up costs makes this an attractive proposition for Credit Unions aiming to build their client base and provide essential financial services to local communities. Suitable businesses should be prepared to outline their service plans, target client groups, and support needs, along with a vision for contributing to poverty reduction and financial stability in the region.

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Notice Information

Notice Title

Credit Union Presence - East Renfrewshire

Notice Description

As part of its commitment to tackling poverty and providing affordable credit, East Renfrewshire has a commitment to supporting the presence of a Credit Union(s) back into the local area. With the impending closure (May 2025) of the last remaining bank in the town of Barrhead and serving broader communities of Neilston and Uplawmoor, the need for a Credit Union presence becomes even more compelling. East Renfrewshire Council and local community partners (e.g. Voluntary Action East Renfrewshire, ER Citizens Advice Bureau and Barrhead Housing Association) seek information from prospective Credit Union providers who may be willing to provide both an online and a part-time, face-to-face presence in the East Renfrewshire area, perhaps across a range of local communities.

Lot Information

Lot 1

East Renfrewshire Council and local community partners (e.g. Voluntary Action East Renfrewshire, ER Citizens Advice Bureau and Barrhead Housing Association) seek information from prospective Credit Union providers who may be willing to provide both an online and a part-time, face-to-face presence in the East Renfrewshire area, perhaps across a range of local communities. The Council and its partners may be willing to provide a degree of support in the form of a contribution towards initial start-up costs or accommodation in a partnership site. To inform requirements-gathering and an onward business case, prospective Credit Union providers are invited to declare an interest in provision within East Renfrewshire and contribute to the following questions. Contributor organisations must be authorised and regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA). Below are questions for prospective Credit Union providers. Please limit your response to each question to a maximum of two A4 pages each (n.b. it is expected that many will be much shorter). Responses should be sent to debbie.hill@eastrenfrewshire.gov.uk by 12 noon on Monday 14 April 2025. 1. Please give us some background on what interests you in this proposition within East Renfrewshire and what background you have in Credit Union provision. 2. How would you envision Credit Union provision operating within East Renfrewshire? Please cover scope for face-to-face and online provision, including initial proposals for days of coverage and opening hours etc. In the ideal scenario, there would be provision for face-to-face provision on a mobile basis across the East Renfrewshire area, although weighted more heavily towards Barrhead. 3. What do you see as the core client group and market for uptake of Credit Union services within East Renfrewshire? What evidence do you have for that? Do you have any current clients within East Renfrewshire? 4. How would this Credit Union service contribute to tackling poverty and improving wellbeing? 5. What would be your assumptions on volume of business required to ensure that Credit Union provision for East Renfrewshire could operate for the longer-term on a self-sustaining basis? 6. What, if any, support would you be looking for from the Council or its partners to support Credit Union provision in the local area? Through our partner organisations, we may be able to support co-location, but need to understand requirements. - Detail costs (Capital and Revenue); accommodation requirements; security/cash handling requirements; staffing etc. - Detail the contribution you would be seeking from the Council and its partners and for what period. 7. How quickly do you believe you could get up and running within East Renfrewshire? 8. How would you build networks with community partners and build your client base? 9. Please describe your approach to business model development, including your framework for risk management within the broader operating environment for credit unions. 10. Please give details on the governance framework your Credit Union operates within (e.g. overseeing Board).

Notice Details

Publication & Lifecycle

Open Contracting ID
ocds-r6ebe6-0000793830
Publication Source
Public Contracts Scotland
Latest Notice
https://www.publiccontractsscotland.gov.uk/search/show/search_view.aspx?ID=MAR526386
Current Stage
Planning
All Stages
Planning

Procurement Classification

Notice Type
PCS Notice - Website Prior Information Notice
Procurement Type
Standard
Procurement Category
Services
Procurement Method
Not Specified
Procurement Method Details
Not specified
Tender Suitability
Not specified
Awardee Scale
Not specified

Common Procurement Vocabulary (CPV)

CPV Divisions

66 - Financial and insurance services

CPV Codes

66110000 - Banking services

66113000 - Credit granting services

66113100 - Micro-credit granting services

Notice Value(s)

Tender Value
Not specified
Lots Value
Not specified
Awards Value
Not specified
Contracts Value
Not specified

Notice Dates

Publication Date
19 Mar 202511 months ago
Submission Deadline
Not specified
Future Notice Date
1 Jul 2025Expired
Award Date
Not specified
Contract Period
Not specified - Not specified
Recurrence
Not specified

Notice Status

Tender Status
Planned
Lots Status
Planned
Awards Status
Not Specified
Contracts Status
Not Specified

Buyer & Supplier

Contracting Authority (Buyer)

Main Buyer
EAST RENFREWSHIRE COUNCIL
Contact Name
Debbie Hill, Chief Procurement Officer
Contact Email
debbie.hill@eastrenfrewshire.gov.uk
Contact Phone
Not specified

Buyer Location

Locality
GIFFNOCK
Postcode
G46 6UG
Post Town
Glasgow
Country
Scotland
Major Region (ITL 1)
TLM Scotland
Basic Region (ITL 2)
TLM3 West Central Scotland
Small Region (ITL 3)
TLM33 Inverclyde, East Renfrewshire, and Renfrewshire
Delivery Location
TLM83 Inverclyde, East Renfrewshire, and Renfrewshire
Local Authority
East Renfrewshire
Electoral Ward
Giffnock and Thornliebank
Westminster Constituency
East Renfrewshire

Further Information

Notice Documents

  • https://www.publiccontractsscotland.gov.uk/search/show/search_view.aspx?ID=MAR526386
    Credit Union Presence - East Renfrewshire - As part of its commitment to tackling poverty and providing affordable credit, East Renfrewshire has a commitment to supporting the presence of a Credit Union(s) back into the local area. With the impending closure (May 2025) of the last remaining bank in the town of Barrhead and serving broader communities of Neilston and Uplawmoor, the need for a Credit Union presence becomes even more compelling. East Renfrewshire Council and local community partners (e.g. Voluntary Action East Renfrewshire, ER Citizens Advice Bureau and Barrhead Housing Association) seek information from prospective Credit Union providers who may be willing to provide both an online and a part-time, face-to-face presence in the East Renfrewshire area, perhaps across a range of local communities.

Open Contracting Data Standard (OCDS)

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