Rules
The instruments the Ombudsman actually cites, ranked by how often they appear in published banking decisions. This ordering is derived from the corpus, not from an editorial view of which rules matter.
United Kingdom
- Consumer Credit Act 1974cited in 22,335 banking decisions
- Payment Services Regulations 2017cited in 8,474 banking decisions
- FCA CONC (Consumer Credit sourcebook)cited in 6,640 banking decisions
- CRM Code (APP scam reimbursement)cited in 6,521 banking decisions
- FCA DISP (Dispute Resolution)cited in 6,224 banking decisions
- FCA Consumer Duty (PRIN 2A)cited in 1,881 banking decisions
- Equality Act 2010cited in 1,229 banking decisions
- Financial Services and Markets Act 2000cited in 772 banking decisions
- UK GDPR / Data Protection Act 2018cited in 297 banking decisions
- PSR APP reimbursement requirementcited in 245 banking decisions
- Money Laundering Regulations 2017cited in 215 banking decisions
- FCA BCOBS (Banking Conduct of Business)cited in 192 banking decisions
United States
Counterpart rules, for the comparison shown on each UK rule page.
- Fair Credit Reporting ActUS rules on accuracy and dispute of credit reporting.
- Regulation Z (Truth in Lending Act)US credit disclosure and billing-error rules.
- Bank Secrecy Act / AMLUS anti-money-laundering duties behind account closures and holds.
- Regulation E (Electronic Fund Transfer Act)US error-resolution and liability rules for electronic transfers.
- UDAAP (Dodd-Frank s.1031)US prohibition on unfair, deceptive or abusive acts and practices.