Our sources
The primary sources our guides rely on, and that we monitor for news.
Primary sources
Where the facts come from
Cifas cifas.org.uk — the fraud prevention agency that runs the National Fraud Database. Subject access requests, complaints, and how markers work.
Financial Ombudsman Service financial-ombudsman.org.uk — decides complaints about banks and lenders, including fraud markers and account closures. Its published decisions show how the rules are applied.
Information Commissioner's Office ico.org.uk — the data protection regulator. Subject access rights and complaints about how personal data is used.
Financial Conduct Authority fca.org.uk — regulates banks’ treatment of customers, including account closures and access to basic bank accounts.
Legislation and government legislation.gov.uk and gov.uk — the statutes and regulations, including the Payment Accounts Regulations 2015.