Rules ›
FCA CONC (Consumer Credit sourcebook)
Conduct rules for consumer credit, including affordability and arrears handling.
6,640banking decisions citing this rule
UKjurisdiction
The harms this rule produces
Issues most often decided in cases where this rule was cited.
| Issue | Decisions | Uphold rate |
|---|---|---|
| Irresponsible lending | 5,188 | 52.8% |
| Product mis-sold | 1,382 | 6.4% |
| Credit file reporting | 1,376 | 85.7% |
| Treatment in financial difficulty | 563 | 37.3% |
| Charges and fees | 336 | 45.2% |
| Complaint handling | 322 | 16.5% |
| Support for vulnerable customers | 239 | 39.7% |
| Interest and rates | 89 | 24.7% |
| Service failure | 48 | 64.6% |
| Card dispute or chargeback | 37 | 5.4% |
| Data and privacy | 29 | 27.6% |
| Account closed or refused | 26 | 34.6% |
How the United States handles the same risk
Regulation Z (Truth in Lending Act)
US credit disclosure and billing-error rules.