Unfair contracts

<!DOCTYPE html> <html lang="en" dir="ltr" prefix="content: http://purl.org/rss/1.0/modules/content/ dc: http://purl.org/dc/terms/ foaf: http://xmlns.com/foaf/0.1/ og: http://ogp.me/ns# rdfs: http://www.w3.org/2000/01/rdf-schema# schema: http://schema.org/ sioc: http://rdfs.org/sioc/ns# sioct: http://rdfs.org/sioc/types# skos: http://www.w3.org/2004/02/skos/core# xsd: http://www.w3.org/2001/XMLSchema# "> <head> <meta charset="utf-8" /> <meta name="description" content="Financial businesses must provide contracts that are clear and fair, and can’t enforce unfair terms. Find out how to spot and report an unfair term." /> <link rel="canonical" href="https://www.fca.org.uk/consumers/unfair-contracts" /> <meta property="og:site_name" content="FCA" /> <meta property="og:type" content="article" /> <meta property="og:url" content="https://www.fca.org.uk/consumers/unfair-contracts" /> <meta property="og:title" content="Unfair contracts" /> <meta property="og:description" content="Financial businesses must provide contracts that are clear and fair, and can’t enforce unfair terms. Find out how to spot and report an unfair term. First published: 05/04/2016 Last updated: 20/03/2023 See all updates" /> <meta property="og:updated_time" content="2023-03-20T18:05:15+00:00" /> <meta property="article:published_time" content="2016-04-05T15:43:17+01:00" /> <meta property="article:modified_time" content="2023-03-20T18:05:15+00:00" /> <meta property="funnelback:content-type" content="Consumers" /> <meta property="funnelback:type" content="Consumers,Report a firm" /> <meta property="funnelback:published-year" content="2016" /> <meta property="funnelback:category" content="Consumers,Consumers" /> <meta property="funnelback:modified-date" content="20/03/2023" /> <meta property="funnelback:created-date" content="05/04/2016" /> <meta property="funnelback:nid" content="3611" /> <meta property="funnelback:published-int-date" content="20160405" /> <meta property="funnelback:published-date" content="2016/04/05" /> <meta property="funnelback:date-of-release-year" content="2016" /> <meta name="twitter:card" content="summary" /> <meta name="twitter:title" content="Unfair contracts" /> <meta name="twitter:description" content="Financial businesses must provide contracts that are clear and fair, and can’t enforce unfair terms. Find out how to spot and report an unfair term. First published: 05/04/2016 Last updated: 20/03/2023 See all updates" /> <meta name="twitter:site" content="@TheFCA" /> <meta name="twitter:site:id" content="169431716" /> <meta name="twitter:image" content="https://www.fca.org.uk/sites/default/files/images/fca-logo-social-media.jpg" /> <meta name="theme-color" content="#fff" /> <meta name="apple-mobile-web-app-capable" content="yes" /> <meta name="apple-mobile-web-app-status-bar-style" content="black" /> <meta name="Generator" content="Drupal 10 (https://www.drupal.org)" /> <meta name="MobileOptimized" content="width" /> <meta name="HandheldFriendly" content="true" /> <meta name="viewport" content="width=device-width, initial-scale=1.0" /> <style>div#sliding-popup, div#sliding-popup .eu-cookie-withdraw-banner, .eu-cookie-withdraw-tab {background: #6C1D45} div#sliding-popup.eu-cookie-withdraw-wrapper { background: transparent; } #sliding-popup h1, #sliding-popup h2, #sliding-popup h3, #sliding-popup p, #sliding-popup label, #sliding-popup div, .eu-cookie-compliance-more-button, .eu-cookie-compliance-secondary-button, .eu-cookie-withdraw-tab { color: #ffffff;} .eu-cookie-withdraw-tab { border-color: #ffffff;}#sliding-popup.sliding-popup-top { position: fixed; }</style> <meta name="theme-color" content="#6c1d45" /> <script type="application/ld+json">{ "@context": "https://schema.org", "@graph": { "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://www.fca.org.uk/" }, { "@type": "ListItem", "position": 2, "name": "Consumers", "item": "https://www.fca.org.uk/consumers" }, { "@type": "ListItem", "position": 3, "name": "Unfair contracts" } ] } }</script> <link rel="icon" href="/themes/custom/fca/favicon.ico" type="image/vnd.microsoft.icon" /> <link rel="alternate" hreflang="en" href="https://www.fca.org.uk/consumers/unfair-contracts" /> <script src="/sites/default/files/eu_cookie_compliance/eu_cookie_compliance.script.js?snrt07" defer></script> <title>Unfair contracts | FCA</title> <link rel="stylesheet" media="all" href="/sites/default/files/css/css_BBXkgmF883w3IFp5ed4bhX8Jj3sEpw0OYKqRTdUc9pw.css?delta=0&language=en&theme=fca&include=eJx1UVuSwyAMuxANR2IccICpeQw27eb2C0naj3b3g5cMQrJqIdKu9Qq01LG_Ucx3VoyEVmLJhgM0bPoN3A7AKd5ZMOkVGNVmQXsqK9CNZR8MXuGPTKYX9XVU2I0t5R5xLKlShGxR_wUahxt0EvXEdSst6Wtd5vQFDnEJsywOBSLxIsV7OnSZ6wrrNGoCnv99nJAZ_Ommjo3ZEN0K9m6OPy1UsQFOx58cU3jhKN-VF3ups3usHhGfrI95ScX1IbO2mAVWGp3IEmW_MqjQwDeogd8BvZGl59pXihxGFFOwQxt55iUNTwu21N2E6AONIde1huBMHmmY2vARS-cDno3aes5Ih19GaDactmeZi41Avxk72Ew" /> <link rel="stylesheet" media="all" href="/sites/default/files/css/css_G0cCNh6x925CpLxuAACIadY5WgnjWoou95JCja_CciI.css?delta=1&language=en&theme=fca&include=eJx1UVuSwyAMuxANR2IccICpeQw27eb2C0naj3b3g5cMQrJqIdKu9Qq01LG_Ucx3VoyEVmLJhgM0bPoN3A7AKd5ZMOkVGNVmQXsqK9CNZR8MXuGPTKYX9XVU2I0t5R5xLKlShGxR_wUahxt0EvXEdSst6Wtd5vQFDnEJsywOBSLxIsV7OnSZ6wrrNGoCnv99nJAZ_Ommjo3ZEN0K9m6OPy1UsQFOx58cU3jhKN-VF3ups3usHhGfrI95ScX1IbO2mAVWGp3IEmW_MqjQwDeogd8BvZGl59pXihxGFFOwQxt55iUNTwu21N2E6AONIde1huBMHmmY2vARS-cDno3aes5Ih19GaDactmeZi41Avxk72Ew" /> <link rel=preload href="/themes/custom/fca/bootstrap/fonts/bootstrap/glyphicons-halflings-regular.woff2" as="font" crossorigin> <meta name="google-site-verification" content="UMTpd8qXqUbCGtkijm3SkFV2lRJQM2lIIkMKmJg8jMk" /> <meta name="msvalidate.01" content="57E38F6BD7138599EBD7F7F4FF496957" /> <script src="https://www.google.com/recaptcha/api.js?hl=en&render=explicit&onload=drupalRecaptchaOnload" async defer></script> </head> <body class="page-node-3611 node-bg-6c1d45 logged-out"> <div class="skip-links" role="region"> <a href="#main-content" id="skip-main-content" class="visually-hidden sr-only-focusable focusable" tab-index="1">Skip to main content</a> <a href="#edit-search-term" class="visually-hidden focusable skip-to-search">Skip to search box</a> </div> <noscript><iframe src="https://www.googletagmanager.com/ns.html?id=GTM-PCC62S" height="0" width="0" style="display:none;visibility:hidden"></iframe></noscript><script type="text/javascript">(window.NREUM||(NREUM={})).init={ajax:{deny_list:["bam.nr-data.net"]}};(window.NREUM||(NREUM={})).loader_config={licenseKey:"1bdb6f7fb8",applicationID:"1114563801"};;/*! For license information please see nr-loader-rum-1.274.0.min.js.LICENSE.txt */ (()=>{var e,t,r={8122:(e,t,r)=>{"use strict";r.d(t,{a:()=>i});var n=r(944);function i(e,t){try{if(!e||"object"!=typeof e)return(0,n.R)(3);if(!t||"object"!=typeof t)return(0,n.R)(4);const r=Object.create(Object.getPrototypeOf(t),Object.getOwnPropertyDescriptors(t)),o=0===Object.keys(r).length?e:r;for(let a in o)if(void 0!==e[a])try{if(null===e[a]){r[a]=null;continue}Array.isArray(e[a])&&Array.isArray(t[a])?r[a]=Array.from(new Set([...e[a],...t[a]])):"object"==typeof e[a]&&"object"==typeof t[a]?r[a]=i(e[a],t[a]):r[a]=e[a]}catch(e){(0,n.R)(1,e)}return r}catch(e){(0,n.R)(2,e)}}},2555:(e,t,r)=>{"use strict";r.d(t,{Vp:()=>c,fn:()=>s,x1:()=>u});var n=r(384),i=r(8122);const o={beacon:n.NT.beacon,errorBeacon:n.NT.errorBeacon,licenseKey:void 0,applicationID:void 0,sa:void 0,queueTime:void 0,applicationTime:void 0,ttGuid:void 0,user:void 0,account:void 0,product:void 0,extra:void 0,jsAttributes:{},userAttributes:void 0,atts:void 0,transactionName:void 0,tNamePlain:void 0},a={};function s(e){try{const t=c(e);return!!t.licenseKey&&!!t.errorBeacon&&!!t.applicationID}catch(e){return!1}}function c(e){if(!e)throw new Error("All info objects require an agent identifier!");if(!a[e])throw new Error("Info for ".concat(e," was never set"));return a[e]}function u(e,t){if(!e)throw new Error("All info objects require an agent identifier!");a[e]=(0,i.a)(t,o);const r=(0,n.nY)(e);r&&(r.info=a[e])}},9417:(e,t,r)=>{"use strict";r.d(t,{D0:()=>g,gD:()=>h,xN:()=>p});var n=r(993);const i=e=>{if(!e||"string"!=typeof e)return!1;try{document.createDocumentFragment().querySelector(e)}catch{return!1}return!0};var o=r(2614),a=r(944),s=r(384),c=r(8122);const u="[data-nr-mask]",d=()=>{const e={mask_selector:"*",block_selector:"[data-nr-block]",mask_input_options:{color:!1,date:!1,"datetime-local":!1,email:!1,month:!1,number:!1,range:!1,search:!1,tel:!1,text:!1,time:!1,url:!1,week:!1,textarea:!1,select:!1,password:!0}};return{ajax:{deny_list:void 0,block_internal:!0,enabled:!0,harvestTimeSeconds:10,autoStart:!0},distributed_tracing:{enabled:void 0,exclude_newrelic_header:void 0,cors_use_newrelic_header:void 0,cors_use_tracecontext_headers:void 0,allowed_origins:void 0},feature_flags:[],generic_events:{enabled:!0,harvestTimeSeconds:30,autoStart:!0},harvest:{tooManyRequestsDelay:60},jserrors:{enabled:!0,harvestTimeSeconds:10,autoStart:!0},logging:{enabled:!0,harvestTimeSeconds:10,autoStart:!0,level:n.p_.INFO},metrics:{enabled:!0,autoStart:!0},obfuscate:void 0,page_action:{enabled:!0},page_view_event:{enabled:!0,autoStart:!0},page_view_timing:{enabled:!0,harvestTimeSeconds:30,autoStart:!0},performance:{capture_marks:!1,capture_measures:!1},privacy:{cookies_enabled:!0},proxy:{assets:void 0,beacon:void 0},session:{expiresMs:o.wk,inactiveMs:o.BB},session_replay:{autoStart:!0,enabled:!1,harvestTimeSeconds:60,preload:!1,sampling_rate:10,error_sampling_rate:100,collect_fonts:!1,inline_images:!1,fix_stylesheets:!0,mask_all_inputs:!0,get mask_text_selector(){return e.mask_selector},set mask_text_selector(t){i(t)?e.mask_selector="".concat(t,",").concat(u):""===t||null===t?e.mask_selector=u:(0,a.R)(5,t)},get block_class(){return"nr-block"},get ignore_class(){return"nr-ignore"},get mask_text_class(){return"nr-mask"},get block_selector(){return e.block_selector},set block_selector(t){i(t)?e.block_selector+=",".concat(t):""!==t&&(0,a.R)(6,t)},get mask_input_options(){return e.mask_input_options},set mask_input_options(t){t&&"object"==typeof t?e.mask_input_options={...t,password:!0}:(0,a.R)(7,t)}},session_trace:{enabled:!0,harvestTimeSeconds:10,autoStart:!0},soft_navigations:{enabled:!0,harvestTimeSeconds:10,autoStart:!0},spa:{enabled:!0,harvestTimeSeconds:10,autoStart:!0},ssl:void 0,user_actions:{enabled:!0}}},l={},f="All configuration objects require an agent identifier!";function g(e){if(!e)throw new Error(f);if(!l[e])throw new Error("Configuration for ".concat(e," was never set"));return l[e]}function p(e,t){if(!e)throw new Error(f);l[e]=(0,c.a)(t,d());const r=(0,s.nY)(e);r&&(r.init=l[e])}function h(e,t){if(!e)throw new Error(f);var r=g(e);if(r){for(var n=t.split("."),i=0;i<n.length-1;i++)if("object"!=typeof(r=r[n[i]]))return;r=r[n[n.length-1]]}return r}},3371:(e,t,r)=>{"use strict";r.d(t,{V:()=>f,f:()=>l});var n=r(8122),i=r(384),o=r(6154),a=r(9324);let s=0;const c={buildEnv:a.F3,distMethod:a.Xs,version:a.xv,originTime:o.WN},u={customTransaction:void 0,disabled:!1,isolatedBacklog:!1,loaderType:void 0,maxBytes:3e4,onerror:void 0,ptid:void 0,releaseIds:{},appMetadata:{},session:void 0,denyList:void 0,timeKeeper:void 0,obfuscator:void 0},d={};function l(e){if(!e)throw new Error("All runtime objects require an agent identifier!");if(!d[e])throw new Error("Runtime for ".concat(e," was never set"));return d[e]}function f(e,t){if(!e)throw new Error("All runtime objects require an agent identifier!");d[e]={...(0,n.a)(t,u),...c},Object.hasOwnProperty.call(d[e],"harvestCount")||Object.defineProperty(d[e],"harvestCount",{get:()=>++s});const r=(0,i.nY)(e);r&&(r.runtime=d[e])}},9324:(e,t,r)=>{"use strict";r.d(t,{F3:()=>i,Xs:()=>o,xv:()=>n});const n="1.274.0",i="PROD",o="CDN"},6154:(e,t,r)=>{"use strict";r.d(t,{OF:()=>c,RI:()=>i,WN:()=>d,bv:()=>o,gm:()=>a,mw:()=>s,sb:()=>u});var n=r(1863);const i="undefined"!=typeof window&&!!window.document,o="undefined"!=typeof WorkerGlobalScope&&("undefined"!=typeof self&&self instanceof WorkerGlobalScope&&self.navigator instanceof WorkerNavigator||"undefined"!=typeof globalThis&&globalThis instanceof WorkerGlobalScope&&globalThis.navigator instanceof WorkerNavigator),a=i?window:"undefined"!=typeof WorkerGlobalScope&&("undefined"!=typeof self&&self instanceof WorkerGlobalScope&&self||"undefined"!=typeof globalThis&&globalThis instanceof WorkerGlobalScope&&globalThis),s=Boolean("hidden"===a?.document?.visibilityState),c=/iPad|iPhone|iPod/.test(a.navigator?.userAgent),u=c&&"undefined"==typeof SharedWorker,d=((()=>{const e=a.navigator?.userAgent?.match(/Firefox[/\s](\d+\.\d+)/);Array.isArray(e)&&e.length>=2&&e[1]})(),Date.now()-(0,n.t)())},1687:(e,t,r)=>{"use strict";r.d(t,{Ak:()=>c,Ze:()=>l,x3:()=>u});var n=r(7836),i=r(3606),o=r(860),a=r(2646);const s={};function c(e,t){const r={staged:!1,priority:o.P3[t]||0};d(e),s[e].get(t)||s[e].set(t,r)}function u(e,t){e&&s[e]&&(s[e].get(t)&&s[e].delete(t),g(e,t,!1),s[e].size&&f(e))}function d(e){if(!e)throw new Error("agentIdentifier required");s[e]||(s[e]=new Map)}function l(e="",t="feature",r=!1){if(d(e),!e||!s[e].get(t)||r)return g(e,t);s[e].get(t).staged=!0,f(e)}function f(e){const t=Array.from(s[e]);t.every((([e,t])=>t.staged))&&(t.sort(((e,t)=>e[1].priority-t[1].priority)),t.forEach((([t])=>{s[e].delete(t),g(e,t)})))}function g(e,t,r=!0){const o=e?n.ee.get(e):n.ee,s=i.i.handlers;if(!o.aborted&&o.backlog&&s){if(r){const e=o.backlog[t],r=s[t];if(r){for(let t=0;e&&t<e.length;++t)p(e[t],r);Object.entries(r).forEach((([e,t])=>{Object.values(t||{}).forEach((t=>{t[0]?.on&&t[0]?.context()instanceof a.y&&t[0].on(e,t[1])}))}))}}o.isolatedBacklog||delete s[t],o.backlog[t]=null,o.emit("drain-"+t,[])}}function p(e,t){var r=e[1];Object.values(t[r]||{}).forEach((t=>{var r=e[0];if(t[0]===r){var n=t[1],i=e[3],o=e[2];n.apply(i,o)}}))}},7836:(e,t,r)=>{"use strict";r.d(t,{P:()=>c,ee:()=>u});var n=r(384),i=r(8990),o=r(3371),a=r(2646),s=r(5607);const c="nr@context:".concat(s.W),u=function e(t,r){var n={},s={},d={},l=!1;try{l=16===r.length&&(0,o.f)(r).isolatedBacklog}catch(e){}var f={on:p,addEventListener:p,removeEventListener:function(e,t){var r=n[e];if(!r)return;for(var i=0;i<r.length;i++)r[i]===t&&r.splice(i,1)},emit:function(e,r,n,i,o){!1!==o&&(o=!0);if(u.aborted&&!i)return;t&&o&&t.emit(e,r,n);for(var a=g(n),c=h(e),d=c.length,l=0;l<d;l++)c[l].apply(a,r);var p=m()[s[e]];p&&p.push([f,e,r,a]);return a},get:v,listeners:h,context:g,buffer:function(e,t){const r=m();if(t=t||"feature",f.aborted)return;Object.entries(e||{}).forEach((([e,n])=>{s[n]=t,t in r||(r[t]=[])}))},abort:function(){f._aborted=!0,Object.keys(f.backlog).forEach((e=>{delete f.backlog[e]}))},isBuffering:function(e){return!!m()[s[e]]},debugId:r,backlog:l?{}:t&&"object"==typeof t.backlog?t.backlog:{},isolatedBacklog:l};return Object.defineProperty(f,"aborted",{get:()=>{let e=f._aborted||!1;return e||(t&&(e=t.aborted),e)}}),f;function g(e){return e&&e instanceof a.y?e:e?(0,i.I)(e,c,(()=>new a.y(c))):new a.y(c)}function p(e,t){n[e]=h(e).concat(t)}function h(e){return n[e]||[]}function v(t){return d[t]=d[t]||e(f,t)}function m(){return f.backlog}}(void 0,"globalEE"),d=(0,n.Zm)();d.ee||(d.ee=u)},2646:(e,t,r)=>{"use strict";r.d(t,{y:()=>n});class n{constructor(e){this.contextId=e}}},9908:(e,t,r)=>{"use strict";r.d(t,{d:()=>n,p:()=>i});var n=r(7836).ee.get("handle");function i(e,t,r,i,o){o?(o.buffer([e],i),o.emit(e,t,r)):(n.buffer([e],i),n.emit(e,t,r))}},3606:(e,t,r)=>{"use strict";r.d(t,{i:()=>o});var n=r(9908);o.on=a;var i=o.handlers={};function o(e,t,r,o){a(o||n.d,i,e,t,r)}function a(e,t,r,i,o){o||(o="feature"),e||(e=n.d);var a=t[o]=t[o]||{};(a[r]=a[r]||[]).push([e,i])}},3878:(e,t,r)=>{"use strict";function n(e,t){return{capture:e,passive:!1,signal:t}}function i(e,t,r=!1,i){window.addEventListener(e,t,n(r,i))}function o(e,t,r=!1,i){document.addEventListener(e,t,n(r,i))}r.d(t,{DD:()=>o,jT:()=>n,sp:()=>i})},5607:(e,t,r)=>{"use strict";r.d(t,{W:()=>n});const n=(0,r(9566).bz)()},9566:(e,t,r)=>{"use strict";r.d(t,{LA:()=>s,bz:()=>a});var n=r(6154);const i="xxxxxxxx-xxxx-4xxx-yxxx-xxxxxxxxxxxx";function o(e,t){return e?15&e[t]:16*Math.random()|0}function a(){const e=n.gm?.crypto||n.gm?.msCrypto;let t,r=0;return e&&e.getRandomValues&&(t=e.getRandomValues(new Uint8Array(30))),i.split("").map((e=>"x"===e?o(t,r++).toString(16):"y"===e?(3&o()|8).toString(16):e)).join("")}function s(e){const t=n.gm?.crypto||n.gm?.msCrypto;let r,i=0;t&&t.getRandomValues&&(r=t.getRandomValues(new Uint8Array(e)));const a=[];for(var s=0;s<e;s++)a.push(o(r,i++).toString(16));return a.join("")}},2614:(e,t,r)=>{"use strict";r.d(t,{BB:()=>a,H3:()=>n,g:()=>u,iL:()=>c,tS:()=>s,uh:()=>i,wk:()=>o});const n="NRBA",i="SESSION",o=144e5,a=18e5,s={STARTED:"session-started",PAUSE:"session-pause",RESET:"session-reset",RESUME:"session-resume",UPDATE:"session-update"},c={SAME_TAB:"same-tab",CROSS_TAB:"cross-tab"},u={OFF:0,FULL:1,ERROR:2}},1863:(e,t,r)=>{"use strict";function n(){return Math.floor(performance.now())}r.d(t,{t:()=>n})},944:(e,t,r)=>{"use strict";function n(e,t){"function"==typeof console.debug&&console.debug("New Relic Warning: https://github.com/newrelic/newrelic-browser-agent/blob/main/docs/warning-codes.md#".concat(e),t)}r.d(t,{R:()=>n})},5284:(e,t,r)=>{"use strict";r.d(t,{t:()=>c,B:()=>s});var n=r(7836),i=r(6154);const o="newrelic";const a=new Set,s={};function c(e,t){const r=n.ee.get(t);s[t]??={},e&&"object"==typeof e&&(a.has(t)||(r.emit("rumresp",[e]),s[t]=e,a.add(t),function(e={}){try{i.gm.dispatchEvent(new CustomEvent(o,{detail:e}))}catch(e){}}({loaded:!0})))}},8990:(e,t,r)=>{"use strict";r.d(t,{I:()=>i});var n=Object.prototype.hasOwnProperty;function i(e,t,r){if(n.call(e,t))return e[t];var i=r();if(Object.defineProperty&&Object.keys)try{return Object.defineProperty(e,t,{value:i,writable:!0,enumerable:!1}),i}catch(e){}return e[t]=i,i}},6389:(e,t,r)=>{"use strict";function n(e,t=500,r={}){const n=r?.leading||!1;let i;return(...r)=>{n&&void 0===i&&(e.apply(this,r),i=setTimeout((()=>{i=clearTimeout(i)}),t)),n||(clearTimeout(i),i=setTimeout((()=>{e.apply(this,r)}),t))}}function i(e){let t=!1;return(...r)=>{t||(t=!0,e.apply(this,r))}}r.d(t,{J:()=>i,s:()=>n})},5289:(e,t,r)=>{"use strict";r.d(t,{GG:()=>o,sB:()=>a});var n=r(3878);function i(){return"undefined"==typeof document||"complete"===document.readyState}function o(e,t){if(i())return e();(0,n.sp)("load",e,t)}function a(e){if(i())return e();(0,n.DD)("DOMContentLoaded",e)}},384:(e,t,r)=>{"use strict";r.d(t,{NT:()=>o,US:()=>d,Zm:()=>a,bQ:()=>c,dV:()=>s,nY:()=>u,pV:()=>l});var n=r(6154),i=r(1863);const o={beacon:"bam.nr-data.net",errorBeacon:"bam.nr-data.net"};function a(){return n.gm.NREUM||(n.gm.NREUM={}),void 0===n.gm.newrelic&&(n.gm.newrelic=n.gm.NREUM),n.gm.NREUM}function s(){let e=a();return e.o||(e.o={ST:n.gm.setTimeout,SI:n.gm.setImmediate,CT:n.gm.clearTimeout,XHR:n.gm.XMLHttpRequest,REQ:n.gm.Request,EV:n.gm.Event,PR:n.gm.Promise,MO:n.gm.MutationObserver,FETCH:n.gm.fetch,WS:n.gm.WebSocket}),e}function c(e,t){let r=a();r.initializedAgents??={},t.initializedAt={ms:(0,i.t)(),date:new Date},r.initializedAgents[e]=t}function u(e){let t=a();return t.initializedAgents?.[e]}function d(e,t){a()[e]=t}function l(){return function(){let e=a();const t=e.info||{};e.info={beacon:o.beacon,errorBeacon:o.errorBeacon,...t}}(),function(){let e=a();const t=e.init||{};e.init={...t}}(),s(),function(){let e=a();const t=e.loader_config||{};e.loader_config={...t}}(),a()}},2843:(e,t,r)=>{"use strict";r.d(t,{u:()=>i});var n=r(3878);function i(e,t=!1,r,i){(0,n.DD)("visibilitychange",(function(){if(t)return void("hidden"===document.visibilityState&&e());e(document.visibilityState)}),r,i)}},3434:(e,t,r)=>{"use strict";r.d(t,{YM:()=>c});var n=r(7836),i=r(5607);const o="nr@original:".concat(i.W);var a=Object.prototype.hasOwnProperty,s=!1;function c(e,t){return e||(e=n.ee),r.inPlace=function(e,t,n,i,o){n||(n="");const a="-"===n.charAt(0);for(let s=0;s<t.length;s++){const c=t[s],u=e[c];d(u)||(e[c]=r(u,a?c+n:n,i,c,o))}},r.flag=o,r;function r(t,r,n,s,c){return d(t)?t:(r||(r=""),nrWrapper[o]=t,function(e,t,r){if(Object.defineProperty&&Object.keys)try{return Object.keys(e).forEach((function(r){Object.defineProperty(t,r,{get:function(){return e[r]},set:function(t){return e[r]=t,t}})})),t}catch(e){u([e],r)}for(var n in e)a.call(e,n)&&(t[n]=e[n])}(t,nrWrapper,e),nrWrapper);function nrWrapper(){var o,a,d,l;try{a=this,o=[...arguments],d="function"==typeof n?n(o,a):n||{}}catch(t){u([t,"",[o,a,s],d],e)}i(r+"start",[o,a,s],d,c);try{return l=t.apply(a,o)}catch(e){throw i(r+"err",[o,a,e],d,c),e}finally{i(r+"end",[o,a,l],d,c)}}}function i(r,n,i,o){if(!s||t){var a=s;s=!0;try{e.emit(r,n,i,t,o)}catch(t){u([t,r,n,i],e)}s=a}}}function u(e,t){t||(t=n.ee);try{t.emit("internal-error",e)}catch(e){}}function d(e){return!(e&&"function"==typeof e&&e.apply&&!e[o])}},993:(e,t,r)=>{"use strict";r.d(t,{ET:()=>o,p_:()=>i});var n=r(860);const i={ERROR:"ERROR",WARN:"WARN",INFO:"INFO",DEBUG:"DEBUG",TRACE:"TRACE"},o="log";n.K7.logging},3969:(e,t,r)=>{"use strict";r.d(t,{TZ:()=>n,XG:()=>s,rs:()=>i,xV:()=>a,z_:()=>o});const n=r(860).K7.metrics,i="sm",o="cm",a="storeSupportabilityMetrics",s="storeEventMetrics"},6630:(e,t,r)=>{"use strict";r.d(t,{T:()=>n});const n=r(860).K7.pageViewEvent},782:(e,t,r)=>{"use strict";r.d(t,{T:()=>n});const n=r(860).K7.pageViewTiming},6344:(e,t,r)=>{"use strict";r.d(t,{G4:()=>i});var n=r(2614);r(860).K7.sessionReplay;const i={RECORD:"recordReplay",PAUSE:"pauseReplay",REPLAY_RUNNING:"replayRunning",ERROR_DURING_REPLAY:"errorDuringReplay"};n.g.ERROR,n.g.FULL,n.g.OFF},4234:(e,t,r)=>{"use strict";r.d(t,{W:()=>o});var n=r(7836),i=r(1687);class o{constructor(e,t){this.agentIdentifier=e,this.ee=n.ee.get(e),this.featureName=t,this.blocked=!1}deregisterDrain(){(0,i.x3)(this.agentIdentifier,this.featureName)}}},7603:(e,t,r)=>{"use strict";r.d(t,{j:()=>P});var n=r(860),i=r(2555),o=r(3371),a=r(9908),s=r(7836),c=r(1687),u=r(5289),d=r(6154),l=r(944),f=r(3969),g=r(384),p=r(6344);const h=["setErrorHandler","finished","addToTrace","addRelease","addPageAction","setCurrentRouteName","setPageViewName","setCustomAttribute","interaction","noticeError","setUserId","setApplicationVersion","start",p.G4.RECORD,p.G4.PAUSE,"log","wrapLogger"],v=["setErrorHandler","finished","addToTrace","addRelease"];var m=r(1863),b=r(2614),y=r(993);var w=r(2646),A=r(3434);function R(e,t,r,n){if("object"!=typeof t||!t||"string"!=typeof r||!r||"function"!=typeof t[r])return(0,l.R)(29);const i=function(e){return(e||s.ee).get("logger")}(e),o=(0,A.YM)(i),a=new w.y(s.P);return a.level=n.level,a.customAttributes=n.customAttributes,o.inPlace(t,[r],"wrap-logger-",a),i}function E(){const e=(0,g.pV)();h.forEach((t=>{e[t]=(...r)=>function(t,...r){let n=[];return Object.values(e.initializedAgents).forEach((e=>{e&&e.api?e.exposed&&e.api[t]&&n.push(e.api[t](...r)):(0,l.R)(38,t)})),n.length>1?n:n[0]}(t,...r)}))}const x={};function _(e,t,g=!1){t||(0,c.Ak)(e,"api");const h={};var w=s.ee.get(e),A=w.get("tracer");x[e]=b.g.OFF,w.on(p.G4.REPLAY_RUNNING,(t=>{x[e]=t}));var E="api-",_=E+"ixn-";function N(t,r,n,o){const a=(0,i.Vp)(e);return null===r?delete a.jsAttributes[t]:(0,i.x1)(e,{...a,jsAttributes:{...a.jsAttributes,[t]:r}}),j(E,n,!0,o||null===r?"session":void 0)(t,r)}function T(){}h.log=function(e,{customAttributes:t={},level:r=y.p_.INFO}={}){(0,a.p)(f.xV,["API/log/called"],void 0,n.K7.metrics,w),function(e,t,r={},i=y.p_.INFO){(0,a.p)(f.xV,["API/logging/".concat(i.toLowerCase(),"/called")],void 0,n.K7.metrics,e),(0,a.p)(y.ET,[(0,m.t)(),t,r,i],void 0,n.K7.logging,e)}(w,e,t,r)},h.wrapLogger=(e,t,{customAttributes:r={},level:i=y.p_.INFO}={})=>{(0,a.p)(f.xV,["API/wrapLogger/called"],void 0,n.K7.metrics,w),R(w,e,t,{customAttributes:r,level:i})},v.forEach((e=>{h[e]=j(E,e,!0,"api")})),h.addPageAction=j(E,"addPageAction",!0,n.K7.genericEvents),h.setPageViewName=function(t,r){if("string"==typeof t)return"/"!==t.charAt(0)&&(t="/"+t),(0,o.f)(e).customTransaction=(r||"http://custom.transaction")+t,j(E,"setPageViewName",!0)()},h.setCustomAttribute=function(e,t,r=!1){if("string"==typeof e){if(["string","number","boolean"].includes(typeof t)||null===t)return N(e,t,"setCustomAttribute",r);(0,l.R)(40,typeof t)}else(0,l.R)(39,typeof e)},h.setUserId=function(e){if("string"==typeof e||null===e)return N("enduser.id",e,"setUserId",!0);(0,l.R)(41,typeof e)},h.setApplicationVersion=function(e){if("string"==typeof e||null===e)return N("application.version",e,"setApplicationVersion",!1);(0,l.R)(42,typeof e)},h.start=()=>{try{(0,a.p)(f.xV,["API/start/called"],void 0,n.K7.metrics,w),w.emit("manual-start-all")}catch(e){(0,l.R)(23,e)}},h[p.G4.RECORD]=function(){(0,a.p)(f.xV,["API/recordReplay/called"],void 0,n.K7.metrics,w),(0,a.p)(p.G4.RECORD,[],void 0,n.K7.sessionReplay,w)},h[p.G4.PAUSE]=function(){(0,a.p)(f.xV,["API/pauseReplay/called"],void 0,n.K7.metrics,w),(0,a.p)(p.G4.PAUSE,[],void 0,n.K7.sessionReplay,w)},h.interaction=function(e){return(new T).get("object"==typeof e?e:{})};const S=T.prototype={createTracer:function(e,t){var r={},i=this,o="function"==typeof t;return(0,a.p)(f.xV,["API/createTracer/called"],void 0,n.K7.metrics,w),g||(0,a.p)(_+"tracer",[(0,m.t)(),e,r],i,n.K7.spa,w),function(){if(A.emit((o?"":"no-")+"fn-start",[(0,m.t)(),i,o],r),o)try{return t.apply(this,arguments)}catch(e){const t="string"==typeof e?new Error(e):e;throw A.emit("fn-err",[arguments,this,t],r),t}finally{A.emit("fn-end",[(0,m.t)()],r)}}}};function j(e,t,r,i){return function(){return(0,a.p)(f.xV,["API/"+t+"/called"],void 0,n.K7.metrics,w),i&&(0,a.p)(e+t,[(0,m.t)(),...arguments],r?null:this,i,w),r?void 0:this}}function k(){r.e(296).then(r.bind(r,8778)).then((({setAPI:t})=>{t(e),(0,c.Ze)(e,"api")})).catch((e=>{(0,l.R)(27,e),w.abort()}))}return["actionText","setName","setAttribute","save","ignore","onEnd","getContext","end","get"].forEach((e=>{S[e]=j(_,e,void 0,g?n.K7.softNav:n.K7.spa)})),h.setCurrentRouteName=g?j(_,"routeName",void 0,n.K7.softNav):j(E,"routeName",!0,n.K7.spa),h.noticeError=function(t,r){"string"==typeof t&&(t=new Error(t)),(0,a.p)(f.xV,["API/noticeError/called"],void 0,n.K7.metrics,w),(0,a.p)("err",[t,(0,m.t)(),!1,r,!!x[e]],void 0,n.K7.jserrors,w)},d.RI?(0,u.GG)((()=>k()),!0):k(),h}var N=r(9417),T=r(8122);const S={accountID:void 0,trustKey:void 0,agentID:void 0,licenseKey:void 0,applicationID:void 0,xpid:void 0},j={};var k=r(5284);const I=e=>{const t=e.startsWith("http");e+="/",r.p=t?e:"https://"+e};let O=!1;function P(e,t={},r,n){let{init:a,info:c,loader_config:u,runtime:l={},exposed:f=!0}=t;l.loaderType=r;const p=(0,g.pV)();c||(a=p.init,c=p.info,u=p.loader_config),(0,N.xN)(e.agentIdentifier,a||{}),function(e,t){if(!e)throw new Error("All loader-config objects require an agent identifier!");j[e]=(0,T.a)(t,S);const r=(0,g.nY)(e);r&&(r.loader_config=j[e])}(e.agentIdentifier,u||{}),c.jsAttributes??={},d.bv&&(c.jsAttributes.isWorker=!0),(0,i.x1)(e.agentIdentifier,c);const h=(0,N.D0)(e.agentIdentifier),v=[c.beacon,c.errorBeacon];O||(h.proxy.assets&&(I(h.proxy.assets),v.push(h.proxy.assets)),h.proxy.beacon&&v.push(h.proxy.beacon),E(),(0,g.US)("activatedFeatures",k.B),e.runSoftNavOverSpa&&=!0===h.soft_navigations.enabled&&h.feature_flags.includes("soft_nav")),l.denyList=[...h.ajax.deny_list||[],...h.ajax.block_internal?v:[]],l.ptid=e.agentIdentifier,(0,o.V)(e.agentIdentifier,l),e.ee=s.ee.get(e.agentIdentifier),void 0===e.api&&(e.api=_(e.agentIdentifier,n,e.runSoftNavOverSpa)),void 0===e.exposed&&(e.exposed=f),O=!0}},8374:(e,t,r)=>{r.nc=(()=>{try{return document?.currentScript?.nonce}catch(e){}return""})()},860:(e,t,r)=>{"use strict";r.d(t,{$J:()=>o,K7:()=>n,P3:()=>i});const n={ajax:"ajax",genericEvents:"generic_events",jserrors:"jserrors",logging:"logging",metrics:"metrics",pageAction:"page_action",pageViewEvent:"page_view_event",pageViewTiming:"page_view_timing",sessionReplay:"session_replay",sessionTrace:"session_trace",softNav:"soft_navigations",spa:"spa"},i={[n.pageViewEvent]:1,[n.pageViewTiming]:2,[n.metrics]:3,[n.jserrors]:4,[n.spa]:5,[n.ajax]:6,[n.sessionTrace]:7,[n.softNav]:8,[n.sessionReplay]:9,[n.logging]:10,[n.genericEvents]:11},o={[n.pageViewTiming]:"events",[n.ajax]:"events",[n.spa]:"events",[n.softNav]:"events",[n.metrics]:"jserrors",[n.jserrors]:"jserrors",[n.sessionTrace]:"browser/blobs",[n.sessionReplay]:"browser/blobs",[n.logging]:"browser/logs",[n.genericEvents]:"ins"}}},n={};function i(e){var t=n[e];if(void 0!==t)return t.exports;var o=n[e]={exports:{}};return r[e](o,o.exports,i),o.exports}i.m=r,i.d=(e,t)=>{for(var r in t)i.o(t,r)&&!i.o(e,r)&&Object.defineProperty(e,r,{enumerable:!0,get:t[r]})},i.f={},i.e=e=>Promise.all(Object.keys(i.f).reduce(((t,r)=>(i.f[r](e,t),t)),[])),i.u=e=>"nr-rum-1.274.0.min.js",i.o=(e,t)=>Object.prototype.hasOwnProperty.call(e,t),e={},t="NRBA-1.274.0.PROD:",i.l=(r,n,o,a)=>{if(e[r])e[r].push(n);else{var s,c;if(void 0!==o)for(var u=document.getElementsByTagName("script"),d=0;d<u.length;d++){var l=u[d];if(l.getAttribute("src")==r||l.getAttribute("data-webpack")==t+o){s=l;break}}if(!s){c=!0;var f={296:"sha512-gkYkZDAwQ9PwaDXs2YM+rNIdRej1Ac1mupWobRJ8eahQcXz6/sunGZCKklrzi5kWxhOGRZr2tn0rEKuLTXzfAA=="};(s=document.createElement("script")).charset="utf-8",s.timeout=120,i.nc&&s.setAttribute("nonce",i.nc),s.setAttribute("data-webpack",t+o),s.src=r,0!==s.src.indexOf(window.location.origin+"/")&&(s.crossOrigin="anonymous"),f[a]&&(s.integrity=f[a])}e[r]=[n];var g=(t,n)=>{s.onerror=s.onload=null,clearTimeout(p);var i=e[r];if(delete e[r],s.parentNode&&s.parentNode.removeChild(s),i&&i.forEach((e=>e(n))),t)return t(n)},p=setTimeout(g.bind(null,void 0,{type:"timeout",target:s}),12e4);s.onerror=g.bind(null,s.onerror),s.onload=g.bind(null,s.onload),c&&document.head.appendChild(s)}},i.r=e=>{"undefined"!=typeof Symbol&&Symbol.toStringTag&&Object.defineProperty(e,Symbol.toStringTag,{value:"Module"}),Object.defineProperty(e,"__esModule",{value:!0})},i.p="https://js-agent.newrelic.com/",(()=>{var e={840:0,374:0};i.f.j=(t,r)=>{var n=i.o(e,t)?e[t]:void 0;if(0!==n)if(n)r.push(n[2]);else{var o=new Promise(((r,i)=>n=e[t]=[r,i]));r.push(n[2]=o);var a=i.p+i.u(t),s=new Error;i.l(a,(r=>{if(i.o(e,t)&&(0!==(n=e[t])&&(e[t]=void 0),n)){var o=r&&("load"===r.type?"missing":r.type),a=r&&r.target&&r.target.src;s.message="Loading chunk "+t+" failed.\n("+o+": "+a+")",s.name="ChunkLoadError",s.type=o,s.request=a,n[1](s)}}),"chunk-"+t,t)}};var t=(t,r)=>{var n,o,[a,s,c]=r,u=0;if(a.some((t=>0!==e[t]))){for(n in s)i.o(s,n)&&(i.m[n]=s[n]);if(c)c(i)}for(t&&t(r);u<a.length;u++)o=a[u],i.o(e,o)&&e[o]&&e[o][0](),e[o]=0},r=self["webpackChunk:NRBA-1.274.0.PROD"]=self["webpackChunk:NRBA-1.274.0.PROD"]||[];r.forEach(t.bind(null,0)),r.push=t.bind(null,r.push.bind(r))})(),(()=>{"use strict";i(8374);var e=i(944),t=i(6344),r=i(9566);class n{agentIdentifier;constructor(e=(0,r.LA)(16)){this.agentIdentifier=e}#e(t,...r){if("function"==typeof this.api?.[t])return this.api[t](...r);(0,e.R)(35,t)}addPageAction(e,t){return this.#e("addPageAction",e,t)}setPageViewName(e,t){return this.#e("setPageViewName",e,t)}setCustomAttribute(e,t,r){return this.#e("setCustomAttribute",e,t,r)}noticeError(e,t){return this.#e("noticeError",e,t)}setUserId(e){return this.#e("setUserId",e)}setApplicationVersion(e){return this.#e("setApplicationVersion",e)}setErrorHandler(e){return this.#e("setErrorHandler",e)}addRelease(e,t){return this.#e("addRelease",e,t)}log(e,t){return this.#e("log",e,t)}}class o extends n{#e(t,...r){if("function"==typeof this.api?.[t])return this.api[t](...r);(0,e.R)(35,t)}start(){return this.#e("start")}finished(e){return this.#e("finished",e)}recordReplay(){return this.#e(t.G4.RECORD)}pauseReplay(){return this.#e(t.G4.PAUSE)}addToTrace(e){return this.#e("addToTrace",e)}setCurrentRouteName(e){return this.#e("setCurrentRouteName",e)}interaction(){return this.#e("interaction")}wrapLogger(e,t,r){return this.#e("wrapLogger",e,t,r)}}var a=i(860),s=i(9417);const c=Object.values(a.K7);function u(e){const t={};return c.forEach((r=>{t[r]=function(e,t){return!0===(0,s.gD)(t,"".concat(e,".enabled"))}(r,e)})),t}var d=i(7603);var l=i(1687),f=i(4234),g=i(5289),p=i(6154),h=i(384);const v=e=>p.RI&&!0===(0,s.gD)(e,"privacy.cookies_enabled");function m(e){return!!(0,h.dV)().o.MO&&v(e)&&!0===(0,s.gD)(e,"session_trace.enabled")}var b=i(6389);class y extends f.W{constructor(e,t,r=!0){super(e.agentIdentifier,t),this.auto=r,this.abortHandler=void 0,this.featAggregate=void 0,this.onAggregateImported=void 0,!1===e.init[this.featureName].autoStart&&(this.auto=!1),this.auto?(0,l.Ak)(e.agentIdentifier,t):this.ee.on("manual-start-all",(0,b.J)((()=>{(0,l.Ak)(e.agentIdentifier,this.featureName),this.auto=!0,this.importAggregator(e)})))}importAggregator(t,r={}){if(this.featAggregate||!this.auto)return;let n;this.onAggregateImported=new Promise((e=>{n=e}));const o=async()=>{let o;try{if(v(this.agentIdentifier)){const{setupAgentSession:e}=await i.e(296).then(i.bind(i,3861));o=e(t)}}catch(t){(0,e.R)(20,t),this.ee.emit("internal-error",[t]),this.featureName===a.K7.sessionReplay&&this.abortHandler?.()}try{if(t.sharedAggregator)await t.sharedAggregator;else{t.sharedAggregator=i.e(296).then(i.bind(i,9337));const{EventAggregator:e}=await t.sharedAggregator;t.sharedAggregator=new e}if(!this.#t(this.featureName,o))return(0,l.Ze)(this.agentIdentifier,this.featureName),void n(!1);const{lazyFeatureLoader:e}=await i.e(296).then(i.bind(i,6103)),{Aggregate:a}=await e(this.featureName,"aggregate");this.featAggregate=new a(t,r),n(!0)}catch(t){(0,e.R)(34,t),this.abortHandler?.(),(0,l.Ze)(this.agentIdentifier,this.featureName,!0),n(!1),this.ee&&this.ee.abort()}};p.RI?(0,g.GG)((()=>o()),!0):o()}#t(e,t){switch(e){case a.K7.sessionReplay:return m(this.agentIdentifier)&&!!t;case a.K7.sessionTrace:return!!t;default:return!0}}}var w=i(6630);class A extends y{static featureName=w.T;constructor(e,t=!0){super(e,w.T,t),this.importAggregator(e)}}var R=i(9908),E=i(2843),x=i(3878),_=i(782),N=i(1863);class T extends y{static featureName=_.T;constructor(e,t=!0){super(e,_.T,t),p.RI&&((0,E.u)((()=>(0,R.p)("docHidden",[(0,N.t)()],void 0,_.T,this.ee)),!0),(0,x.sp)("pagehide",(()=>(0,R.p)("winPagehide",[(0,N.t)()],void 0,_.T,this.ee))),this.importAggregator(e))}}var S=i(3969);class j extends y{static featureName=S.TZ;constructor(e,t=!0){super(e,S.TZ,t),this.importAggregator(e)}}new class extends o{constructor(t,r){super(r),p.gm?(this.features={},(0,h.bQ)(this.agentIdentifier,this),this.desiredFeatures=new Set(t.features||[]),this.desiredFeatures.add(A),this.runSoftNavOverSpa=[...this.desiredFeatures].some((e=>e.featureName===a.K7.softNav)),(0,d.j)(this,t,t.loaderType||"agent"),this.run()):(0,e.R)(21)}get config(){return{info:this.info,init:this.init,loader_config:this.loader_config,runtime:this.runtime}}run(){try{const t=u(this.agentIdentifier),r=[...this.desiredFeatures];r.sort(((e,t)=>a.P3[e.featureName]-a.P3[t.featureName])),r.forEach((r=>{if(!t[r.featureName]&&r.featureName!==a.K7.pageViewEvent)return;if(this.runSoftNavOverSpa&&r.featureName===a.K7.spa)return;if(!this.runSoftNavOverSpa&&r.featureName===a.K7.softNav)return;const n=function(e){switch(e){case a.K7.ajax:return[a.K7.jserrors];case a.K7.sessionTrace:return[a.K7.ajax,a.K7.pageViewEvent];case a.K7.sessionReplay:return[a.K7.sessionTrace];case a.K7.pageViewTiming:return[a.K7.pageViewEvent];default:return[]}}(r.featureName).filter((e=>!(e in this.features)));n.length>0&&(0,e.R)(36,{targetFeature:r.featureName,missingDependencies:n}),this.features[r.featureName]=new r(this)}))}catch(t){(0,e.R)(22,t);for(const e in this.features)this.features[e].abortHandler?.();const r=(0,h.Zm)();delete r.initializedAgents[this.agentIdentifier]?.api,delete r.initializedAgents[this.agentIdentifier]?.features,delete this.sharedAggregator;return r.ee.get(this.agentIdentifier).abort(),!1}}}({features:[A,T,j],loaderType:"lite"})})()})();</script> <div class="dialog-off-canvas-main-canvas" data-off-canvas-main-canvas> <header class="header"> <div class="container"> <div class="row"> <div class="col-xs-12 col-sm-4 header__logo-col"> <a class="header__logo navbar-btn pull-left" href="/" title="Home"> <img src="/themes/custom/fca/images/logo.png" alt="Home" width="210" height="66"> </a> </div> <div class="col-md-8 col-sm-8 header__nav-col"> <div class="row header__nav-search"> <div id="block-fca-funnelback-fca-funnelback-search-box" class="block block-fca-funnelback clearfix col-xs-12 col-md-6 header__nav-search-block"> <section class="fca-funnelback-search-form block block-fca-funnelback block-funnelback-search-block clearfix" data-drupal-selector="fca-funnelback-search-form" novalidate="novalidate" id="block-funnelbacksearchblock"> <form action="/consumers/unfair-contracts" method="post" id="fca-funnelback-search-form" accept-charset="UTF-8"> <div class="input-group search-input-group"> <label class="sr-only" for="edit-search-term"> Search </label> <input title="Search" placeholder="Search" class="funnelback-query form-text form-control" data-drupal-selector="edit-search-term" type="text" id="edit-search-term" name="search_term" value="" size="60" maxlength="128" /> <span class="input-group-btn"> <button aria-label="Search" title="Submit" class="form-submit btn--search text-hide button js-form-submit form-submit btn-primary btn icon-before" id="edit-submit--funnelback_search_form" data-drupal-selector="edit-submit" type="submit" name="op" value="Search"><span class="icon glyphicon glyphicon-search" aria-hidden="true"></span> Search</button> </span> </div> <input data-drupal-selector="form-3ttrpzl9unzq5z2i5ig66xwemeqaq4jk8kb3rqcuhgw" type="hidden" name="form_build_id" value="form-3TtRPzl9UnzQ5z2I5iG66XWeMEqAQ4Jk8kb3RQcuHGw" /><input data-drupal-selector="edit-fca-funnelback-search-form" type="hidden" name="form_id" value="fca_funnelback_search_form" /> </form> </section> </div> </div> </div> <div class="col-md-10 header__nav-col header__nav-menu"> <div class="row header__nav-wrapper"> <nav class="navbar navbar-default header__nav-navigation" aria-labelledby="navbar-collapse"> <div class="navbar-header"> <button type="button" class="navbar-toggle menu-icon" data-toggle="collapse" data-target=".navbar-collapse"> <span class="sr-only">Toggle navigation</span> <span class="icon-bar"></span> <span class="icon-bar"></span> <span class="icon-bar"></span> </button> </div> <div class="navbar-collapse collapse" id="navbar-collapse"> <section class="block-tb-megamenu-main-menu"> <div class="tb-megamenu tb-megamenu-main-menu"> <nav aria-labelledby="block-fca-main-menu-menu" id="block-fca-main-menu"> <p class="sr-only" id="block-fca-main-menu-menu">Main navigation</p> <div class="always-show"> <ul class="tb-megamenu-nav nav level-0 items-6 list-inline mega-menu"> <li class="first tb-megamenu-item level-1 mega dropdown col-xs-12 col-sm-2 mega-menu__level-one-item mega-menu__about-us"> <a href="/about" class="dropdown-toggle mega-menu__level-one-link" data-drupal-link-system-path="node/98011">About us</a> <div class="megamenu__menu view view-megamenu-block view-id-megamenu_block view-display-id-megamenu_block_contextual dropdown-menu mega-menu__level-two-wrapper"> <div class="view-content"> <div class="container"> <div class="row"> <div class="views-element-container form-group"><div class="megamenu-promo view view-megamenu-promo-content view-id-megamenu_promo_content view-display-id-block js-view-dom-id-426a80ef3d17b665920f5251aa15ba7bd8400e7266de56cf1350f23b009f4754"> <h3 class="promo-block__title heading__underline">Contact us</h3> <div class="view-content"> <div class="views-row"><div class="promo-block__copy"><p>Get in touch by phone, via our online form, or by post:</p> <p> </p> <p>Financial Conduct Authority<br> 12 Endeavour Square<br> London E20 1JN</p> <p> </p> </div><a href="/contact" class="promo-block__read-more btn btn--arrow-right" aria-label="Contact us - Contact us">Contact us</a></div> </div> </div> </div> <div class="megamenu-categories"> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><span class="no-link">What we do</span></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-fd4951cb8ca6c81467b285adff6e2de3ef843c6efce30dff11342d80f5a53647"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/about/what-we-do/the-fca" hreflang="en">About the FCA</a></li> <li class="menu--item"><a href="/about/what-we-do/enhancing-market-integrity" hreflang="en">Enhancing market integrity</a></li> <li class="menu--item"><a href="/about/how-we-work-menu" hreflang="en">How we work</a></li> <li class="menu--item"><a href="/about/what-we-do/promoting-competition" hreflang="en">Promoting competition</a></li> <li class="menu--item"><a href="/about/what-we-do/protecting-consumers" hreflang="en">Protecting consumers</a></li> </ul> </div> </div> </div> </div> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><span class="no-link">How we regulate</span></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-c6613b743d22565b24bca00a8db68790cf6052ccc0eab032bf1ffd66f04fb5f1"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/authorisation-menu" hreflang="en">Authorisation</a></li> <li class="menu--item"><a href="/about/how-we-regulate/enforcement" hreflang="en">Enforcement</a></li> <li class="menu--item"><a href="/about/how-we-regulate/handbook" hreflang="en">Handbook of rules and guidance</a></li> <li class="menu--item"><a href="/about/how-we-regulate/international-standards-regulations" hreflang="en">International standards and regulations</a></li> <li class="menu--item"><a href="/about/how-we-regulate/supervision" hreflang="en">Supervision</a></li> </ul> </div> </div> </div> </div> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><span class="no-link">How we operate</span></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-dfce516565fe0ea570d24e170b66631fae0cb03cbb9c04666c98b18317f7a87a"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/about/how-we-operate/complain-about-regulators" hreflang="en">Complain about us, the PRA or the Bank of England (the regulators)</a></li> <li class="menu--item"><a href="/about/how-we-operate/corporate-responsibility" hreflang="en">Corporate responsibility</a></li> <li class="menu--item"><a href="/about/how-we-operate/diversity-equity-inclusion" hreflang="en">Diversity, equity and inclusion</a></li> <li class="menu--item"><a href="/about/how-we-operate/environmental-sustainability" hreflang="en">Environmental sustainability</a></li> <li class="menu--item"><a href="/about/how-we-operate/who-work-with" hreflang="en">Who we work with</a></li> </ul> </div> </div> </div> </div> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><span class="no-link">Who we are</span></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-aaa4b37fdb545fe553c43f57bce67dca6dd24993b89623ce66627b6076586bb2"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/about/who-we-are/chair" hreflang="en">Chair</a></li> <li class="menu--item"><a href="/about/who-we-are/chief-executive" hreflang="en">Chief Executive</a></li> <li class="menu--item"><a href="/about/who-we-are/committees" hreflang="en">Committees</a></li> <li class="menu--item"><a href="/about/who-we-are/executive-committees" hreflang="en">Executive committees</a></li> <li class="menu--item"><a href="/about/who-we-are/fca-board" hreflang="en">FCA Board</a></li> </ul> </div> </div> </div> </div> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><span class="no-link">Join us</span></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-78500f8e3a1c5eec5806f0f7ba43ef53ac3f2c66717e230c531cc954e234e5bd"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/careers-home" hreflang="en">Careers home</a></li> <li class="menu--item"><a href="/careers/early-careers" hreflang="en">Early careers</a></li> <li class="menu--item"><a href="/careers/experienced-professionals" hreflang="en">Experienced professionals</a></li> </ul> </div> </div> </div> </div> </div> <div class="views-element-container form-group"><div class="megamenu-footer view view-megamenu-footer view-id-megamenu_footer view-display-id-block js-view-dom-id-2eaaefd50ca9da951ef63e06216393215ebd1f977b9d868a9228c8cc2e00d760"> </div> </div> <button tabindex="0" aria-label="Close menu link" class="megamenu__close btn--close text-hide hidden-xs js-megamenu-close">Close menu</button> </div> </div> </div> </div> </li> <li class="tb-megamenu-item level-1 mega dropdown col-xs-12 col-sm-2 mega-menu__level-one-item mega-menu__firms"> <a href="/firms" class="dropdown-toggle mega-menu__level-one-link" data-drupal-link-system-path="node/2886">Firms</a> <div class="megamenu__menu view view-megamenu-block view-id-megamenu_block view-display-id-megamenu_block_contextual dropdown-menu mega-menu__level-two-wrapper"> <div class="view-content"> <div class="container"> <div class="row"> <div class="views-element-container form-group"><div class="megamenu-promo view view-megamenu-promo-content view-id-megamenu_promo_content view-display-id-block js-view-dom-id-4c9fd7902422499f826ab618af4e450295dac621f4f798e563904882e79f065d"> <h3 class="promo-block__title heading__underline">Firms overview</h3> <div class="view-content"> <div class="views-row"><div class="promo-block__copy"><p>Go to our dedicated section to see support for firms and our latest policy updates.</p> <p> </p> </div><a href="/firms" class="promo-block__read-more btn btn--arrow-right" aria-label="Firms overview - Find out more">Find out more</a></div> </div> </div> </div> <div class="megamenu-categories"> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><a href="/firms/authorisation" hreflang="en">Firm authorisation</a></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-141605cac80e3a15efc1c5024d94db7c1c62a6bcab1434c268a3af926baedee2"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/firms/authorisation" hreflang="en">Authorisation</a></li> <li class="menu--item"><a href="/firms/authorisation/cancel" hreflang="en">Cancelling an authorisation or registration</a></li> <li class="menu--item"><a href="/firms/check-if-firm-authorised" hreflang="en">Check if a firm is authorised</a></li> <li class="menu--item"><a href="/firms/authorisation/apply" hreflang="en">How to apply for authorisation or registration</a></li> </ul> </div> </div> </div> </div> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><span class="no-link">Regulated firms</span></h4><div class="megamenu__menu view view-megamenu-block view-id-megamenu_block view-display-id-megamenu_firms_types js-view-dom-id-1c69252bc26a199cee6a56ba06e229e587aaeb8122d48b607ff366844f1c6d56 dropdown-menu mega-menu__level-two-wrapper"> <div class="view-content"> <div class="container"> <div class="row"> <div class="megamenu-categories"> <div class="item-list firms-types"> <ul> <li class="menu--item"><a href="/firms" hreflang="en">All firms</a></li> <li class="menu--item"><a href="/firms/claims-management-companies" hreflang="en">Claims management companies</a></li> <li class="menu--item"><a href="/firms/consumer-credit" hreflang="en">Consumer credit firms</a></li> <li class="menu--item"><a href="/firms/electronic-money-payment-institutions" hreflang="en">Electronic money and payment institutions</a></li> <li class="menu--item"><a href="/firms/funeral-plan-providers-intermediaries" hreflang="en">Funeral plan providers and intermediaries</a></li> <li class="menu--item"><a href="/firms/innovation" hreflang="en">Innovation Hub</a></li> <li class="menu--item"><a href="/firms/mutual-societies" hreflang="en">Mutual societies</a></li> </ul> </div> </div> <button tabindex="0" aria-label="Close menu link" class="megamenu__close btn--close text-hide hidden-xs js-megamenu-close">Close menu</button> </div> </div> </div> </div> </div> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><span class="no-link">Tasks for firms</span></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-fe3ceaa96ac01cf25d107d58f50ba1abe9fe87aca27d97c6347bbc4e755369c9"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/firms/approved-persons" hreflang="en">Approved persons</a></li> <li class="menu--item"><a href="/firms/change-control" hreflang="en">Change in control</a></li> <li class="menu--item"><a href="/firms/fees" hreflang="en">Fees and levies</a></li> <li class="menu--item"><a href="/firms/firm-details" hreflang="en">Keeping your firm's details up to date</a></li> <li class="menu--item"><a href="/firms/appointed-representatives-principals" hreflang="en">Principals and appointed representatives </a></li> </ul> </div> </div> </div> </div> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><a href="/firms/consumer-duty" hreflang="en">Focus areas</a></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-ab4240c48670ff63c3851186fd84773be6055450991a164ea05664ee3be15484"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/firms/consumer-duty" hreflang="en">Consumer Duty</a></li> <li class="menu--item"><a href="/firms/cost-living-firm-information" hreflang="en">Cost of living: firm information</a></li> <li class="menu--item"><a href="/firms/cryptoassets-information" hreflang="en">Cryptoassets</a></li> <li class="menu--item"><a href="/firms/access-to-cash" hreflang="en">Helping people access cash</a></li> <li class="menu--item"><a href="/firms/regulatory-framework-reforms" hreflang="en">Regulatory framework reforms</a></li> <li class="menu--item"><a href="/firms/senior-managers-certification-regime" hreflang="en">Senior Managers and Certification Regime </a></li> </ul> </div> </div> </div> </div> </div> <div class="views-element-container form-group"><div class="megamenu-footer view view-megamenu-footer view-id-megamenu_footer view-display-id-block js-view-dom-id-5ff3e1916f78b67752710b9b314f2a51ec4486d8db49a240ee790cca36f8245a"> <div class="view-content"> <div style="background-image: url(https://www.fca.org.uk/sites/default/files/styles/no_style/public/media/images/megamenu-banner-consumer-duty-350_78.jpg?itok=5eIJffZC);" class="megamenu-footer__image" > </div> <div class="views-row"><div class="megamenu-footer__copy"><p class="megamenu-footer__title">Consumer Duty </p> <p>We're hosting events to help firms prepare for the new rules. Sign up to hear about these and related communications.</p> </div><a href="/sign-consumer-duty-email-updates" class="megamenu-footer__read-more btn btn--arrow-right" aria-label="Consumer Duty - Sign up">Sign up</a></div> </div> </div> </div> <button tabindex="0" aria-label="Close menu link" class="megamenu__close btn--close text-hide hidden-xs js-megamenu-close">Close menu</button> </div> </div> </div> </div> </li> <li class="tb-megamenu-item level-1 mega dropdown col-xs-12 col-sm-2 mega-menu__level-one-item mega-menu__markets"> <a href="/markets" class="dropdown-toggle mega-menu__level-one-link" data-drupal-link-system-path="node/2891">Markets</a> <div class="megamenu__menu view view-megamenu-block view-id-megamenu_block view-display-id-megamenu_block_contextual dropdown-menu mega-menu__level-two-wrapper"> <div class="view-content"> <div class="container"> <div class="row"> <div class="views-element-container form-group"><div class="view view-megamenu-promo-content view-id-megamenu_promo_content view-display-id-block js-view-dom-id-4dd0a17ed853907d25fe0026dac56bbd29cbcce36e457299137c78c9a5e7f46a"> </div> </div> <div class="megamenu-categories"> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><span class="no-link">Primary markets</span></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-4b01ca666cf6442164f7344f39c6e816a57bce32671a41b6d72d8e60b4609ee4"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/markets/primary-markets/forms" hreflang="en">Forms and checklists</a></li> <li class="menu--item"><a href="/markets/primary-markets/knowledge-base" hreflang="en">Knowledge Base</a></li> <li class="menu--item"><a href="/markets/primary-markets/listing-applications" hreflang="en">Listing applications and cancellations</a></li> <li class="menu--item"><a href="/markets/ukla/regulatory-disclosures" hreflang="en">Regulatory Disclosures</a></li> <li class="menu--item"><a href="/markets/primary-markets/sponsor-regime" hreflang="en">The sponsor regime</a></li> </ul> </div> </div> </div> </div> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><span class="no-link">Markets policy</span></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-89aefccab5f07aaebbdfe11299dad4dc48fac6b37a094acab034eafaf9850eb5"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/markets/libor-transition" hreflang="en">About LIBOR transition</a></li> <li class="menu--item"><a href="/markets/data-reporting-services-providers-drsps" hreflang="en">Data reporting services providers</a></li> <li class="menu--item"><a href="/markets/securitisation" hreflang="en">Securitisation</a></li> <li class="menu--item"><a href="/markets/uk-emir" hreflang="en">UK EMIR</a></li> <li class="menu--item"><a href="/markets/sftr" hreflang="en">UK Securities Financing Transactions Regulation (UK SFTR)</a></li> </ul> </div> </div> </div> </div> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><span class="no-link">Regulated markets</span></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-c8aef423beacefab525c892dc899bd19b3d762650eb63170adffc0839a36de05"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/markets/benchmarks" hreflang="en">Benchmarks</a></li> <li class="menu--item"><a href="/markets/central-securities-depositories" hreflang="en">Central securities depositories</a></li> </ul> </div> </div> </div> </div> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><span class="no-link">Market abuse</span></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-b96880f9048f9e7084292f0b9418d293b081bc8bffce6e66c1aab8069ac1b474"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/markets/market-abuse/how-report-suspected-market-abuse-firm-or-trading-venue" hreflang="en">How to report suspected market abuse as a firm or trading venue</a></li> <li class="menu--item"><a href="/markets/market-abuse/how-report-suspected-market-abuse-individual" hreflang="en">How to report suspected market abuse as an individual</a></li> <li class="menu--item"><a href="/markets/market-abuse/regulation" hreflang="en">Market Abuse Regulation</a></li> <li class="menu--item"><a href="/markets/market-abuse/polling-and-market-abuse-regulation" hreflang="en">Polling and Market Abuse Regulation</a></li> </ul> </div> </div> </div> </div> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><span class="no-link">Short selling</span></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-6334f36d7ea363715a0d22c21797e37b35308071110a25d77fa6b1062e8cd8cb"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/markets/short-selling/exemptions-requirements" hreflang="en">Exemptions from short-selling requirements</a></li> <li class="menu--item"><a href="/markets/short-selling/notification-disclosure-net-short-positions" hreflang="en">Notification and disclosure of net short positions</a></li> <li class="menu--item"><a href="/markets/short-selling" hreflang="en">Short selling</a></li> </ul> </div> </div> </div> </div> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><span class="no-link">Transaction reporting</span></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-eddcad51fbb36761b97b2e27ce44c658601e82436b5d77d187770879ea2c28a0"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/markets/transaction-reporting/instrument-reference-data" hreflang="en">Instrument reference data</a></li> <li class="menu--item"><a href="/markets/transaction-reporting" hreflang="en">Transaction reporting</a></li> </ul> </div> </div> </div> </div> </div> <div class="views-element-container form-group"><div class="megamenu-footer view view-megamenu-footer view-id-megamenu_footer view-display-id-block js-view-dom-id-a125c42c5cf9d65088bfbf1ffbdcb22486e948cc44049b658c6c6a1e80f37945"> </div> </div> <button tabindex="0" aria-label="Close menu link" class="megamenu__close btn--close text-hide hidden-xs js-megamenu-close">Close menu</button> </div> </div> </div> </div> </li> <li class="active active-trail tb-megamenu-item level-1 mega dropdown col-xs-12 col-sm-2 mega-menu__level-one-item mega-menu__consumers"> <a href="/consumers" class="dropdown-toggle mega-menu__level-one-link active-trail" data-drupal-link-system-path="node/2901">Consumers</a> <div class="megamenu__menu view view-megamenu-block view-id-megamenu_block view-display-id-megamenu_block_contextual dropdown-menu mega-menu__level-two-wrapper"> <div class="view-content"> <div class="container"> <div class="row"> <div class="views-element-container form-group"><div class="megamenu-promo view view-megamenu-promo-content view-id-megamenu_promo_content view-display-id-block js-view-dom-id-a6d9c0b05b097ba6ea56f5fb665b78169af7ff5e544e20eee7c7a525d4eb64fd"> <h3 class="promo-block__title heading__underline">Our Consumer section</h3> <div class="view-content"> <div style="background-image: url(https://www.fca.org.uk/sites/default/files/styles/no_style/public/media/images/megamenu-promo-consumers-326_151.jpg?itok=TUo8zN9W);" class="megamenu-promo__image" > </div> <div class="views-row"><div class="promo-block__copy"><p>See our dedicated section to help you stay up-to-date with financial services in the UK.</p> <p> </p> </div><a href="/consumers" class="promo-block__read-more btn btn--arrow-right" aria-label="Our Consumer section - Find out more">Find out more</a></div> </div> </div> </div> <div class="megamenu-categories"> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><span class="no-link">Your rights</span></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-cba711b0fcf233305d37eb10da30332ea7c42ea5396c1c0aab23b81950d84a93"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/consumers/check-if-firm-fca-authorised" hreflang="en">Check if a firm is authorised</a></li> <li class="menu--item"><a href="/consumers/pension-transfer-defined-benefit" hreflang="en">Considering a defined benefit pension transfer</a></li> <li class="menu--item"><a href="/consumers/high-risk-investments" hreflang="en">High risk investments</a></li> <li class="menu--item"><a href="/consumers/information-victims-financial-crime" hreflang="en">Information for victims of financial crime</a></li> <li class="menu--item"><a href="/consumers/using-financial-services-register" hreflang="en">Using the Financial Services Register</a></li> <li class="menu--item"><a href="/consumers/your-rights-financial-services" hreflang="en">Your rights with financial services</a></li> </ul> </div> </div> </div> </div> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><span class="no-link">Complaints</span></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-69c35eb4b9b0ae080d500fe8bb1a9b3308dfe55067e9739d1660a6ddc3ae7262"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/consumers/complain-about-regulator" hreflang="en">Complain about a regulator</a></li> <li class="menu--item"><a href="/consumers/claim-compensation-firm-fails" hreflang="en">How to claim compensation if a firm fails</a></li> <li class="menu--item"><a href="/consumers/how-complain" hreflang="en">How to complain</a></li> <li class="menu--item"><a href="/consumers/using-claims-management-companies" hreflang="en">Using claims management companies</a></li> </ul> </div> </div> </div> </div> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><span class="no-link">Scams</span></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-cbd9894b6e48b11d96fb0b9f970734d0608681dd27cf5b46bf04a867ed463271"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/consumers/crypto-investment-scams" hreflang="en">Crypto investment scams</a></li> <li class="menu--item"><a href="/consumers/fake-fca-communications" hreflang="en">Fake FCA communications</a></li> <li class="menu--item"><a href="/consumers/loan-fee-fraud" hreflang="en">Loan fee fraud</a></li> <li class="menu--item"><a href="/consumers/pension-scams" hreflang="en">Pension scams</a></li> <li class="menu--item"><a href="/consumers/protect-yourself-scams" hreflang="en">Protect yourself from scams</a></li> </ul> </div> </div> </div> </div> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><span class="no-link">Report a firm</span></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-3b90ec994ce221493fb8897c145e48ddd68e38d0f8065e5d2a76480d262c73dc"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/consumers/misleading-financial-promotions" hreflang="en">Misleading financial promotions</a></li> <li class="menu--item"><a href="/consumers/how-complain/report-payment-services-e-money-firm" hreflang="en">Report a payment services or e-money firm</a></li> <li class="menu--item"><a href="/consumers/report-scam" hreflang="en">Report a scam</a></li> <li class="menu--item"><a href="/consumers/unfair-contracts" hreflang="en">Unfair contracts</a></li> </ul> </div> </div> </div> </div> </div> <div class="views-element-container form-group"><div class="megamenu-footer view view-megamenu-footer view-id-megamenu_footer view-display-id-block js-view-dom-id-8834d62e3f1c22286caf6a460023afa70aaa9c938d78f8953a6d004fe56a7bbe"> <div class="view-content"> <div style="background-image: url(https://www.fca.org.uk/sites/default/files/styles/no_style/public/media/images/megamenu-banner-warnings-350_78.jpg?itok=w6yre39y);" class="megamenu-footer__image" > </div> <div class="views-row"><div class="megamenu-footer__copy"><p class="megamenu-footer__title">FCA Warning List </p> <p>Find our most up-to-date warnings of firms and individuals running scams or operating without authorisation.</p> </div><a href="/consumers/warning-list-unauthorised-firms" class="megamenu-footer__read-more btn btn--arrow-right" aria-label="FCA Warning List - Read more">Read more</a></div> </div> </div> </div> <button tabindex="0" aria-label="Close menu link" class="megamenu__close btn--close text-hide hidden-xs js-megamenu-close">Close menu</button> </div> </div> </div> </div> </li> <li class="tb-megamenu-item level-1 mega dropdown col-xs-12 col-sm-2 mega-menu__level-one-item mega-menu__news"> <a href="/news" class="dropdown-toggle mega-menu__level-one-link" data-drupal-link-system-path="node/11876">News</a> <div class="megamenu__menu view view-megamenu-block view-id-megamenu_block view-display-id-megamenu_block_contextual dropdown-menu mega-menu__level-two-wrapper"> <div class="view-content"> <div class="container"> <div class="row"> <div class="views-element-container form-group"><div class="megamenu-promo view view-megamenu-promo-content view-id-megamenu_promo_content view-display-id-block js-view-dom-id-c9c4461fb6805eb7a10340058c20ba739e32fb3945c82766bae1a442807182a8"> <h3 class="promo-block__title heading__underline">Sign up to receive daily alerts on the warnings we issue</h3> <div class="view-content"> <div class="views-row"><div class="promo-block__copy"><p>Receive new and updated warnings in a daily email.</p> <p> </p> </div><a href="/sign-fca-warnings-list-daily-alerts" class="promo-block__read-more btn btn--arrow-right" aria-label="Sign up to receive daily alerts on the warnings we issue - Sign up">Sign up</a></div> </div> </div> </div> <div class="megamenu-categories"> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><a href="/news" hreflang="en">News</a></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-3265fbb063b9ddaa891900652f13ec8683108bcd53d7c885b1310f5ae7a77ab3"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/news/blogs/blogs" hreflang="en">Blogs</a></li> <li class="menu--item"><a href="/news/news-stories/news-stories" hreflang="en">News stories</a></li> <li class="menu--item"><a href="/news/press-releases/press-releases" hreflang="en">Press releases</a></li> <li class="menu--item"><a href="/news/speeches/speeches" hreflang="en">Speeches</a></li> <li class="menu--item"><a href="/news/statements/statements" hreflang="en">Statements</a></li> <li class="menu--item"><a href="/news/warnings/warnings" hreflang="en">Warnings</a></li> </ul> </div> </div> </div> </div> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><span class="no-link">Media centre</span></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-efbee8db71b249758f44e9b7a00733bdc704a9035fac6e6acb43a907a6badc59"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/news/news-stories/inside-fca-podcasts" hreflang="en">Inside FCA podcasts</a></li> <li class="menu--item"><a href="/news/news-stories/media-library" hreflang="en">Media library</a></li> </ul> </div> </div> </div> </div> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><a href="/events" hreflang="en">Events</a></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-b8aefad7e5b128cc2c0fcc373d954b3b4e341af97dd8966a3a56a42591601307"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/news/news-stories/see-all-fca-events" hreflang="en">See all FCA events</a></li> </ul> </div> </div> </div> </div> </div> <div class="views-element-container form-group"><div class="megamenu-footer view view-megamenu-footer view-id-megamenu_footer view-display-id-block js-view-dom-id-d8fa126131409d49a67a0763b0d0bd6b84cc276cf896244984169b037f9be31b"> </div> </div> <button tabindex="0" aria-label="Close menu link" class="megamenu__close btn--close text-hide hidden-xs js-megamenu-close">Close menu</button> </div> </div> </div> </div> </li> <li class="last tb-megamenu-item level-1 mega dropdown col-xs-12 col-sm-2 mega-menu__level-one-item mega-menu__publications"> <a href="/publications" class="dropdown-toggle mega-menu__level-one-link" data-drupal-link-system-path="node/6011">Publications</a> <div class="megamenu__menu view view-megamenu-block view-id-megamenu_block view-display-id-megamenu_block_contextual dropdown-menu mega-menu__level-two-wrapper"> <div class="view-content"> <div class="container"> <div class="row"> <div class="views-element-container form-group"><div class="view view-megamenu-promo-content view-id-megamenu_promo_content view-display-id-block js-view-dom-id-c012da6fad1f97199629e1cfbd158206e7f0b9d26415c281a6d778fabfd30e35"> </div> </div> <div class="megamenu-categories"> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><span class="no-link"><a href="/publications/search-results?p_search_term=%20&category=policy%20and%20guidance%2Cpolicy%20and%20guidance-calls%20for%20input%2Cpolicy%20and%20guidance-consultation%20papers%2Cpolicy%20and%20guidance-discussion%20papers%2Cpolicy%20and%20guidance-feedback%20statements%2Cpolicy%20and%20guidance-finalised%20guidance%2Cpolicy%20and%20guidance-guidance%20consultations%2Cpolicy%20and%20guidance-good%20and%20poor%20practice%2Cpolicy%20and%20guidance-handbook%2Cpolicy%20and%20guidance-market%20studies%2Cpolicy%20and%20guidance-multi-firm%20reviews%2Cpolicy%20and%20guidance-newsletters%2Cpolicy%20and%20guidance-policy%20statements%2Cpolicy%20and%20guidance-thematic%20reviews&sort_by=dmetaZ">Policy and guidance</a></span></h4></div> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><span class="no-link"><a href="/publications/search-results?category=corporate%20documents%2Ccorporate%20documents-annual%20reports%2Ccorporate%20documents-business%20plans%2Ccorporate%20documents-corporate%20documents%2Ccorporate%20documents-impact%20assessments%2Ccorporate%20documents-memorandums%20of%20understanding%2Ccorporate%20documents-correspondence%2Ccorporate%20documents-foi%20releases%2Ccorporate%20documents-meeting%20minutes&start=1">Corporate documents</a></span></h4></div> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><span class="no-link"><a href="/publications/search-results?p_search_term&category=notices%20and%20decisions-decision%20notices%2Cnotices%20and%20decisions-libor%20notices%2Cnotices%20and%20decisions-final%20notices%2Cnotices%20and%20decisions-warning%20notices%2Cnotices%20and%20decisions-supervisory%20notices%2Cnotices%20and%20decisions-cancellation%20notices%2Cnotices%20and%20decisions-requirement%20notices%2Cnotices%20and%20decisions-temporary%20product%20interventions%2Cnotices%20and%20decisions-undertakings%2Cnotices%20and%20decisions-waivers%20and%20crr%20notices">Notices and decisions</a></span></h4></div> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><span class="no-link"><a href="/data">Data</a></span></h4></div> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><span class="no-link"><a href="/research">Research</a></span></h4></div> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><span class="no-link"><a href="/publications/search-results?start=1&category=forms">Forms</a></span></h4></div> </div> <div class="views-element-container form-group"><div class="megamenu-footer view view-megamenu-footer view-id-megamenu_footer view-display-id-block js-view-dom-id-577f09917734a5b4231a84f4fa37da82fc3c02d05ff8a89173d743464394ce98"> </div> </div> <button tabindex="0" aria-label="Close menu link" class="megamenu__close btn--close text-hide hidden-xs js-megamenu-close">Close menu</button> </div> </div> </div> </div> </li> </ul> </div> </nav> </div> </section> </div> </nav> </div> </div> </div> </div> </header>  <div class="container" aria-label="Breadcrumb trail"> <div class="breadcrumb-wrapper"> <ol class="breadcrumb"> <li><a href="/">Home</a></li> <li><a href="/consumers">Consumers</a></li> <li class="active">Unfair contracts</li> </ol> </div> </div> <div role="main" class="main-container js-quickedit-main-content"> <section> <div class="highlighted"> <div class="region region-highlighted"> <div data-drupal-messages-fallback class="hidden"></div> </div> </div> <a id="main-content"></a> <div class="region region-content"> <div class="container container-header-- "> <div class="row row--relative"> <div data-history-node-id="3611" about="/consumers/unfair-contracts" class="article-header col-xs-12 four-step-limit col-sm-9"> <h1 class="page-header page-header--no-margin"> <span>Unfair contracts</span> </h1> <div class="article-meta "> </div> </div> </div> </div> <div class="container fca-consumers"> <div class="row"> <article data-history-node-id="3611" about="/consumers/unfair-contracts" class="article-header col-xs-12 four-step-limit col-sm-9 has-sidebar clearfix article-content--consumers"> <div class="node-content__wrapper node-content__wrapper--border consumers-border"> <section class="copy-highlighted copy-block component fca-colour--6c1d45 fca-consumers"> <div class="container container-flex"> <div class="copy-highlighted__content"> <h2 class="heading__underline"> <p>Financial businesses must provide contracts that are clear and fair, and can’t enforce unfair terms. Find out how to spot and report an unfair term.</p> </h2> </div> </div> <div class="container"> <span class="text-small copy-highlighted__updates">First published: <span class="date">05/04/2016</span></span> <span class="text-small copy-highlighted__updates">Last updated: <span class="date">20/03/2023</span></span> <span class="text-small revisions copy-highlighted__updates"><a href="#revisions">See all updates</a></span> </div> </section> <div class="rhn__on-this-page visible-xs rhn__on-this-page--consumers"> <button class="rhn__button"> <h2 class="h3">On this page <img src="/themes/custom/fca/images/document-customers.svg" alt=""></h2> </button> <ul class="nav navbar-nav"><li><a href="#section-how-to-spot-an-unfair-or-unclear-contract-term">How to spot an unfair or unclear contract term</a></li><li><a href="#section-contract-terms-we-can-investigate">Contract terms we can investigate</a></li><li><a href="#section-report-a-contract-term">Report a contract term</a></li><li><a href="#section-how-we-deal-with-unfair-and-unclear-contract-terms">How we deal with unfair and unclear contract terms</a></li></ul> </div> <section class="copy-block fca-consumers"> <div class="container"> <p>When you buy a financial service or product, you’ll need to accept the terms and conditions offered by the business. This may include a contract for:</p> <ul> <li>a credit card for personal use</li> <li>a residential mortgage</li> <li>travel insurance for a holiday</li> </ul> <p>These contracts should set out what you can expect from the business and what the business can expect from you in return. The terms and conditions in these contracts must be fair and clear. If you come across a term that isn’t, you can <a href="#section-report-a-contract-term">report it to us</a>.</p> <p>We have powers to challenge unfair and unclear terms in consumer contracts.</p> </div> </section> <section id="section-how-to-spot-an-unfair-or-unclear-contract-term" class="copy-block fca-consumers"> <div class="container"> <h2>How to spot an unfair or unclear contract term</h2> <p>A contract term can be unfair or unclear for many reasons.</p> <p>It might:</p> <ul> <li>allow the business to change the terms of the contract without telling you or explaining why</li> <li>bind you to hidden terms</li> <li>limit your legal rights unfairly</li> <li>charge an unreasonably large sum if you don’t stick to your side of the contract</li> <li>automatically renew without giving you the right to cancel</li> <li>be read in more than one way</li> <li>use wording that isn’t clear or prominent to describe the product or service, or the costs</li> </ul> <p>But just because a contract term looks like one of these examples, it doesn’t necessarily make it unfair or unclear. It will depend on the contract overall.</p> </div> </section> <section id="section-contract-terms-we-can-investigate" class="copy-block fca-consumers"> <div class="container"> <h2>Contract terms we can investigate</h2> <p>We can only consider contracts that:</p> <ul> <li>exist between a <strong>customer and a business</strong></li> <li>were entered into<strong> after 1 July 1995</strong></li> </ul> </div> </section> <section id="section-report-a-contract-term" class="copy-block fca-consumers"> <div class="container"> <h2>Report a contract term</h2> <p>If you come across a contract term that you think is unfair or unclear, please report it to us. We really appreciate the time you spend doing this, as it could help protect others from similar terms.</p> <p><strong>But while we consider every report that's sent to us, we can’t share details of any action we take.</strong></p> <p>Answer the following questions to find out if we can consider your report. Depending on your answers, we may ask you for more information.</p> <p>If you complete the form and find this isn’t the right place to report your concerns, then please <a data-entity-substitution="canonical" data-entity-type="node" data-entity-uuid="532d5ec1-1bf3-4622-8ddb-072620e72331" href="/contact" title="Contact us">contact us</a>. Or, if you want to complain about a firm, <a data-entity-substitution="canonical" data-entity-type="node" data-entity-uuid="33028e22-bb67-46ff-9df5-889256c13c39" href="/consumers/how-complain" title="How to complain">find out how.</a></p> </div> </section> <div class="decision-tree-embed component"> <div class="decision-tree-container" id="decision-tree-wrapper" data-decision-tree-id=> <article data-history-node-id="68886" about="/consumers/unfair-contracts/make-report"> <div class="node-content__wrapper"> <div id="decision-tree-wrapper-68886" data-decision-tree-id=68886> <div class="decision-tree-question" data-decision-tree-question-id="316" data-decision-tree-question-position="0"> <div class="question-label"> <h2>Is the contract you're complaining about between a consumer and a business?</h2> <p>Generally, you’re a consumer if you enter into the contract for personal purposes, such as:</p> <ul> <li>taking out a credit card for personal use</li> <li>taking out a residential mortgage</li> <li>taking out travel insurance for a holiday</li> </ul> </div> <div class="question-answers"> <button class="fca-decision-tree-back btn btn-warning">Back</button> <ul class="question-answers__list"> <li class="question-answers__item"> <div class="decision-tree-answer answer-621" data-decision-tree-answer-id=621 > <button class="answer-621 btn btn-primary" data-decision-tree-answer-id=621 data-decision-tree-next-question-id=321> Yes </button> <div class="decision-tree-feedback"> </div> </div> </li><li class="question-answers__item"> <div class="decision-tree-answer answer-626" data-decision-tree-answer-id=626 > <button class="answer-626 btn btn-primary" data-decision-tree-answer-id=626 data-decision-tree-next-question-id=END> No </button> <div class="decision-tree-feedback"> <section class="copy-block default"> <div class="container"> <p><strong>In this case, this isn’t the right place to report your concerns. We can only look at contracts between businesses and consumers.</strong></p> <p>If you want to get in touch because you’re worried about how a business is behaving, or for any other reason, please <a data-entity-substitution="canonical" data-entity-type="node" data-entity-uuid="532d5ec1-1bf3-4622-8ddb-072620e72331" href="/contact" title="Contact us">contact us</a>. Or, if you're unhappy with a financial product or service, find out <a data-entity-substitution="canonical" data-entity-type="node" data-entity-uuid="33028e22-bb67-46ff-9df5-889256c13c39" href="/consumers/how-complain" title="How to complain">how to complain</a>.</p> </div> </section> </div> </div> </li> </ul> </div> </div> <div class="decision-tree-question" data-decision-tree-question-id="321" data-decision-tree-question-position="1"> <div class="question-label"> <h2>Does your concern relate to a financial product, such as:</h2> <ul> <li>mortgages</li> <li>insurance</li> <li>bank, building society or credit union accounts</li> <li>life assurance</li> <li>pensions</li> <li>investments (including spreadbetting and contracts for difference)</li> <li>consumer credit (including credit cards, payday loans, debt management, home collected credit and pawnbroking)</li> <li>claims management companies (CMCs)</li> <li>other types of financial products</li> </ul> </div> <div class="question-answers"> <button class="fca-decision-tree-back btn btn-warning">Back</button> <ul class="question-answers__list"> <li class="question-answers__item"> <div class="decision-tree-answer answer-631" data-decision-tree-answer-id=631 > <button class="answer-631 btn btn-primary" data-decision-tree-answer-id=631 data-decision-tree-next-question-id=326> Yes </button> <div class="decision-tree-feedback"> </div> </div> </li><li class="question-answers__item"> <div class="decision-tree-answer answer-636" data-decision-tree-answer-id=636 > <button class="answer-636 btn btn-primary" data-decision-tree-answer-id=636 data-decision-tree-next-question-id=END> No </button> <div class="decision-tree-feedback"> <section class="copy-block default"> <div class="container"> <p><strong>In this case, this isn’t the right place to report your concerns. We can only look at consumer contracts relating to financial products and services.</strong></p> <p>If you want to get in touch because you’re worried about how a business is behaving, or for any other reason, please <a data-entity-substitution="canonical" data-entity-type="node" data-entity-uuid="532d5ec1-1bf3-4622-8ddb-072620e72331" href="/contact" title="Contact us">contact us</a>. Or, if you're unhappy with a financial product or service, find out <a data-entity-substitution="canonical" data-entity-type="node" data-entity-uuid="33028e22-bb67-46ff-9df5-889256c13c39" href="/consumers/how-complain" title="How to complain">how to complain</a>.</p> </div> </section> </div> </div> </li> </ul> </div> </div> <div class="decision-tree-question" data-decision-tree-question-id="326" data-decision-tree-question-position="2"> <div class="question-label"> <h2>What does your concern relate to?</h2> </div> <div class="question-answers"> <button class="fca-decision-tree-back btn btn-warning">Back</button> <ul class="question-answers__list"> <li class="question-answers__item"> <div class="decision-tree-answer answer-641" data-decision-tree-answer-id=641 > <button class="answer-641 btn btn-primary" data-decision-tree-answer-id=641 data-decision-tree-next-question-id=331> How the terms in the contract are written (eg the language used in the term, the clarity of the term, the fairness of the term, what the terms allow the firm to do) </button> <div class="decision-tree-feedback"> </div> </div> </li><li class="question-answers__item"> <div class="decision-tree-answer answer-646" data-decision-tree-answer-id=646 > <button class="answer-646 btn btn-primary" data-decision-tree-answer-id=646 data-decision-tree-next-question-id=331> How the firm has applied the contract terms to you, or the way in which the firm has acted under the contract </button> <div class="decision-tree-feedback"> </div> </div> </li><li class="question-answers__item"> <div class="decision-tree-answer answer-651" data-decision-tree-answer-id=651 > <button class="answer-651 btn btn-primary" data-decision-tree-answer-id=651 data-decision-tree-next-question-id=END> How the firm has conducted itself when dealing with you </button> <div class="decision-tree-feedback"> <section class="copy-block default"> <div class="container"> <p><strong>In this case, this isn’t the right place to report your concerns. We can only look at terms in consumer contracts.</strong></p> <p>If you want to get in touch because you’re worried about how a business is behaving, or for any other reason, please <a data-entity-substitution="canonical" data-entity-type="node" data-entity-uuid="532d5ec1-1bf3-4622-8ddb-072620e72331" href="/contact" title="Contact us">contact us</a>. Or, if you're unhappy with a financial product or service, find out <a data-entity-substitution="canonical" data-entity-type="node" data-entity-uuid="33028e22-bb67-46ff-9df5-889256c13c39" href="/consumers/how-complain" title="How to complain">how to complain</a>.</p> </div> </section> </div> </div> </li> </ul> </div> </div> <div class="decision-tree-question" data-decision-tree-question-id="331" data-decision-tree-question-position="3"> <div class="question-label"> <h2>When did you enter into the contract?</h2> </div> <div class="question-answers"> <button class="fca-decision-tree-back btn btn-warning">Back</button> <ul class="question-answers__list"> <li class="question-answers__item"> <div class="decision-tree-answer answer-656" data-decision-tree-answer-id=656 > <button class="answer-656 btn btn-primary" data-decision-tree-answer-id=656 data-decision-tree-next-question-id=END> Before 1 July 1995 </button> <div class="decision-tree-feedback"> <section class="copy-block default"> <div class="container"> <p><strong>In this case, this isn’t the right place to report your concerns. We can only look at contracts entered into on or after 1 July 1995.</strong></p> <p>If you want to get in touch because you’re worried about how a business is behaving, or for any other reason, please <a data-entity-substitution="canonical" data-entity-type="node" data-entity-uuid="532d5ec1-1bf3-4622-8ddb-072620e72331" href="/contact" title="Contact us">contact us</a>. Or, if you're unhappy with a financial product or service, find out <a data-entity-substitution="canonical" data-entity-type="node" data-entity-uuid="33028e22-bb67-46ff-9df5-889256c13c39" href="/consumers/how-complain" title="How to complain">how to complain</a>.</p> </div> </section> </div> </div> </li><li class="question-answers__item"> <div class="decision-tree-answer answer-661" data-decision-tree-answer-id=661 > <button class="answer-661 btn btn-primary" data-decision-tree-answer-id=661 data-decision-tree-next-question-id=END> 1 July 1995 to the present day </button> <div class="decision-tree-feedback"> <section class="copy-block default"> <div class="container"> <p><strong>Please tell us more about the contract you're concerned about.</strong></p> <p><a class="btn btn-primary" href="/consumers/unfair-contracts/report">Report an unfair contract</a></p> </div> </section> </div> </div> </li><li class="question-answers__item"> <div class="decision-tree-answer answer-666" data-decision-tree-answer-id=666 > <button class="answer-666 btn btn-primary" data-decision-tree-answer-id=666 data-decision-tree-next-question-id=END> I can't remember </button> <div class="decision-tree-feedback"> <section class="copy-block default"> <div class="container"> <p><strong>Please tell us more about the contract you're concerned about.</strong></p> <p><a class="btn btn-primary" href="/consumers/unfair-contracts/report">Report an unfair contract</a></p> </div> </section> </div> </div> </li><li class="question-answers__item"> <div class="decision-tree-answer answer-671" data-decision-tree-answer-id=671 > <button class="answer-671 btn btn-primary" data-decision-tree-answer-id=671 data-decision-tree-next-question-id=END> I haven’t entered into the contract yet </button> <div class="decision-tree-feedback"> <section class="copy-block default"> <div class="container"> <p><strong>Please tell us more about the contract you're concerned about.</strong></p> <p><a class="btn btn-primary" href="/consumers/unfair-contracts/report">Report an unfair contract</a></p> </div> </section> </div> </div> </li> </ul> </div> </div> <div id="decision-tree-feedback-68886"></div> </div> </div> </article> <div id="decision-tree-feedback"></div> </div> </div> <section id="section-how-we-deal-with-unfair-and-unclear-contract-terms" class="copy-block fca-consumers"> <div class="container"> <h2>How we deal with unfair and unclear contract terms</h2> <p>Following past reports, we’ve asked businesses to stop using or change a term, and have secured compensation for consumers.</p> <p>But while we can challenge a contract term, only the courts can ultimately decide if a term is unfair or unclear.</p> </div> </section> <div class="node_view"></div> <div id="revisions" class="page-revisions container"> <button class="h3 page-revisions__title" aria-expanded="false">Page updates</button> <div class="view view-page-update-revision-logs view-id-page_update_revision_logs view-display-id-revision_log js-view-dom-id-f404ce41af0aadce5d01e51e4c10bd1d1b5fc8a47bcb2a41dc721515f2b35c44"> <div class="view-content"> <div class="views-row"><span class="views-field views-field-changed"><span class="field-content"><time datetime="2023-03-20T18:04:53+00:00">20/03/2023</time> : </span></span><span class="views-field views-field-fca-log"><strong class="field-content">Editorial amendment</strong></span><span class="views-field views-field-revision-log"><span class="field-content"> Page update as part of the website refresh</span></span></div> <div class="views-row"><span class="views-field views-field-changed"><span class="field-content"><time datetime="2021-08-19T15:28:35+01:00">19/08/2021</time> : </span></span><span class="views-field views-field-fca-log"><strong class="field-content">Information changed</strong></span><span class="views-field views-field-revision-log"><span class="field-content"> Money Advice Service to MoneyHelper</span></span></div> <div class="views-row"><span class="views-field views-field-changed"><span class="field-content"><time datetime="2020-10-09T16:17:59+01:00">09/10/2020</time> : </span></span><span class="views-field views-field-fca-log"><strong class="field-content">Information added</strong></span><span class="views-field views-field-revision-log"><span class="field-content"> House style updates and decision tree added to clarify FCA powers</span></span></div> </div> </div> </div> <div class="page-feedback container"> <form class="webform-submission-form webform-submission-add-form webform-submission-page-feedback-form-form webform-submission-page-feedback-form-add-form webform-submission-page-feedback-form-node-3611-form webform-submission-page-feedback-form-node-3611-add-form js-webform-details-toggle webform-details-toggle webform-client-form webform-client-form- feedback-form fca-custom-form webform-conditional-processed" data-drupal-selector="webform-submission-page-feedback-form-node-3611-add-form" novalidate="novalidate" action="/consumers/unfair-contracts#webform-submission-page-feedback-form-node-3611-add-form" method="post" id="webform-submission-page-feedback-form-node-3611-add-form" accept-charset="UTF-8"> <fieldset data-drupal-selector="edit-radios" class="radios--wrapper fieldgroup form-composite webform-composite-visible-title js-webform-type-radios webform-type-radios js-form-item form-item js-form-wrapper form-wrapper" id="edit-radios--wrapper"> <legend id="edit-radios--wrapper-legend"> <span class="fieldset-legend">Was this page useful?</span> </legend> <div class="fieldset-wrapper"> <div id="edit-radios" class="js-webform-radios webform-options-display-side-by-side"><div class="form-item js-form-item form-type-radio js-form-type-radio form-item-radios js-form-item-radios radio"> <label for="edit-radios-yes" class="control-label option"><input data-drupal-selector="edit-radios-yes" class="form-radio" type="radio" id="edit-radios-yes" name="radios" value="Yes" /><span class="fca-custom-label">Yes </span></label> </div> <div class="form-item js-form-item form-type-radio js-form-type-radio form-item-radios js-form-item-radios radio"> <label for="edit-radios-no" class="control-label option"><input data-drupal-selector="edit-radios-no" class="form-radio" type="radio" id="edit-radios-no" name="radios" value="No" /><span class="fca-custom-label">No </span></label> </div> </div> </div> </fieldset> <div class="js-webform-states-hidden form-item js-form-item form-type-textarea js-form-type-textarea form-item-what-can-we-do-to-improve-pages-like-this- js-form-item-what-can-we-do-to-improve-pages-like-this- form-group"> <label for="edit-what-can-we-do-to-improve-pages-like-this-" class="control-label">What can we do to improve pages like this? </label> <div class="form-textarea-wrapper"> <textarea data-drupal-selector="edit-what-can-we-do-to-improve-pages-like-this-" class="form-textarea form-control resize-vertical" data-drupal-states="{"visible":{".webform-submission-page-feedback-form-node-3611-add-form :input[name=\u0022radios\u0022]":{"value":"No"}}}" id="edit-what-can-we-do-to-improve-pages-like-this-" name="what_can_we_do_to_improve_pages_like_this_" rows="5" cols="60"></textarea> </div> </div> <div class="js-webform-states-hidden form-item js-form-item form-type-textarea js-form-type-textarea form-item-what-did-you-find-helpful- js-form-item-what-did-you-find-helpful- form-group"> <label for="edit-what-did-you-find-helpful-" class="control-label">What did you find helpful?</label> <div class="form-textarea-wrapper"> <textarea data-drupal-selector="edit-what-did-you-find-helpful-" class="form-textarea form-control resize-vertical" data-drupal-states="{"visible":{".webform-submission-page-feedback-form-node-3611-add-form :input[name=\u0022radios\u0022]":{"value":"Yes"}}}" id="edit-what-did-you-find-helpful-" name="what_did_you_find_helpful_" rows="5" cols="60"></textarea> </div> </div> <input data-drupal-selector="edit-page-title" type="hidden" name="page_title" value="Unfair contracts" /><input data-drupal-selector="edit-page-url" type="hidden" name="page_url" value="https://www.fca.org.uk/consumers/unfair-contracts " /><div class="js-webform-states-hidden form-actions webform-actions clearfix fca-form-submit form-group js-form-wrapper form-wrapper" data-drupal-selector="edit-actions" data-drupal-states="{"visible":{".webform-submission-page-feedback-form-node-3611-add-form :input[name=\u0022radios\u0022]":{"checked":true}}}" id="edit-actions"><button class="webform-button--submit button button--primary js-form-submit form-submit btn-primary btn" data-drupal-selector="edit-actions-submit" type="submit" id="edit-actions-submit" name="op" value="Submit Feedback">Submit Feedback</button> </div> <input data-drupal-selector="form-7e5p5eshqn5qx9a5tjafmqs1-ksqqdjngejy7lalnee" type="hidden" name="form_build_id" value="form-7e5P5eShQN5QX9a5TjafMQS1_KSqQdJNGejy7LaLnEE" /><input data-drupal-selector="edit-webform-submission-page-feedback-form-node-3611-add-form" type="hidden" name="form_id" value="webform_submission_page_feedback_form_node_3611_add_form" /> <div class="hidden captcha captcha-type-challenge--recaptcha" data-drupal-selector="edit-captcha"> <div class="captcha__element"> <input data-drupal-selector="edit-captcha-sid" type="hidden" name="captcha_sid" value="416438411" /><input data-drupal-selector="edit-captcha-token" type="hidden" name="captcha_token" value="RBdGh18UbTZK2cgclvJE2JMpSARa1Iv8qTWqbpY9WFc" /><input data-drupal-selector="edit-captcha-response" type="hidden" name="captcha_response" value="Google no captcha" /><div class="g-recaptcha" data-sitekey="6Le47iYpAAAAAKG4kzgfF0rSSqUn0ikhLYR739_7" data-theme="light" data-type="image"></div><input data-drupal-selector="edit-captcha-cacheable" type="hidden" name="captcha_cacheable" value="1" /> </div> </div> <div class="url_hp-textfield form-group js-form-wrapper form-wrapper" style="display: none !important;"><div class="form-item js-form-item form-type-textfield js-form-type-textfield form-item-url-hp js-form-item-url-hp form-group"> <label for="edit-url-hp" class="control-label">Leave this field blank</label> <input autocomplete="off" data-drupal-selector="edit-url-hp" class="form-text form-control" type="text" id="edit-url-hp" name="url_hp" value="" size="20" maxlength="128" /> </div> </div> </form> </div> </article> <div class="article-sidebar col-xs-12 col-sm-3 article-sidebar--consumers article-sidebar--"> <div class="rhn article-sidebar__sticky" id="rhn"> <div class="header__social-links action-links"> <div class="row"> <div class="col-xs-6 col-md-4 col-lg-6 header__social-links--left header__social-links--left--mail"> <a id="printPageBtn" title="Print Page" aria-label="Print Page" href="/consumers/unfair-contracts/printable/print" target="_blank" class="header__print-page print-ignore">Print Page</a> </div> <div class="col-xs-6 col-md-8 col-lg-6 header__social-links--left"> <div class="links list-inline article-actions-list"> <div class="service-links-linkedin article-action"> <a href="https://www.linkedin.com/sharing/share-offsite?mini=true&url=https%3A//www.fca.org.uk/consumers/unfair-contracts&title=Unfair%20contracts&summary=&source=FCA" title="Publish this post to LinkedIn" aria-label="Publish this post to LinkedIn" class="service-links-linkedin sprites service-links w16 print-ignore" rel="nofollow" target="_blank"> <span class="sr-only">Linkedin</span> </a> </div> <div class="service-links-twitter article-action"> <a href="https://twitter.com/share?url=https%3A//www.fca.org.uk/consumers/unfair-contracts&text=Unfair%20contracts&summary=&source=FCA" title="Share this on Twitter" aria-label="Share this on Twitter" class="service-links-twitter sprites service-links w16 print-ignore" rel="nofollow" target="_blank"> <span class="sr-only">Twitter</span> </a> </div> <div class="email_share last article-action"> <a href="/cdn-cgi/l/email-protection#26197553444c4345521b734840474f54031416454948525447455255031416475203141660656700474b561d6449425f1b6f031416554751031416524e4f550314164948031416524e43031416606567031416514344554f5243031416474842031416524e4953414e520314165f49530314164b4f414e5203141644430314164f4852435443555243420314164e525256550315670909515151084045470849544108534d0945494855534b43545509534840474f540b454948525447455255" title="Share with Email" aria-label="Share with Email" class="print_mail print-ignore" rel="nofollow"></a> </div> </div> <span class="header__social-share-txt" aria-hidden="true"> Share page </span> </div> </div> </div> <div class="rhn__on-this-page hidden-xs rhn__on-this-page--consumers"> <h2 class="h3">On this page <img src="/themes/custom/fca/images/document-customers.svg" alt=""></h2> <ul class="nav navbar-nav"><li><a href="#section-how-to-spot-an-unfair-or-unclear-contract-term">How to spot an unfair or unclear contract term</a></li><li><a href="#section-contract-terms-we-can-investigate">Contract terms we can investigate</a></li><li><a href="#section-report-a-contract-term">Report a contract term</a></li><li><a href="#section-how-we-deal-with-unfair-and-unclear-contract-terms">How we deal with unfair and unclear contract terms</a></li></ul> </div> <br> <div class="rhn__block"> <div class="rhn__header"> <h2 class="h5"> <a class="rhn__header--collapse related-content__title rhn__header--title" role="button" data-toggle="collapse" href="#relatedContentCollapse" aria-expanded="true" aria-controls="relatedContentCollapse"> More on reporting </a> </h2> </div> <div class="rhn__items rhn__items--linked collapse in" id="relatedContentCollapse"> <div class="related-content__item rhn__item first"> <a href="/consumers/misleading-financial-promotions">Misleading financial promotions</a> </div> <div class="related-content__item rhn__item"> <a href="/consumers/report-scam">Report a scam to us</a> </div> <div class="related-content__item rhn__item"> <a href="/consumers/how-complain">How to complain</a> </div> <div class="related-content__item rhn__item last"> <a href="/consumers/warning-list-unauthorised-firms">Check our Warning List of unauthorised firms</a> </div> <div class="rhn__hr" aria-hidden="true"></div> </div> </div> </div> </div> </div> </div> </div> </section> </div> <footer class="footer"> <div class="footer-main"> <div class="container"> <div class="row"> <div class="region region-footer"> <section id="block-menu-menu-onsite-links" class="block block-menu clearfix footer-main__column footer-main__column--no-title"> <ul class="menu nav"> <li class="leaf"> <a href="/accessibility">Accessibility</a> </li> <li class="leaf"> <a href="/about/how-we-operate/complain-about-regulators">Complain about us</a> </li> <li class="leaf"> <a href="/legal">Copyright notice</a> </li> <li class="leaf"> <a href="/about/how-we-operate/corporate-responsibility">Corporate responsibility</a> </li> <li class="leaf"> <a href="/about/cymraeg" lang="cy">Cymraeg</a> </li> <li class="leaf"> <a href="/freedom-information">Freedom of information</a> </li> <li class="leaf"> <a href="/about/how-we-operate/corporate-responsibility#section-modern-slavery-and-human-trafficking-statement">Modern Slavery and Human Trafficking Statement</a> </li> <li class="leaf"> <a href="/privacy">Privacy</a> </li> <li class="leaf"> <a href="/sitemap">Sitemap</a> </li> <li class="leaf"> <a href="/translated-pages">Translated languages</a> </li> </ul> </section> <section id="block-menu-menu-social" class="block block-menu contextual-links-region clearfix footer-main__column footer-main__column--social"> <h2 class="h3 block block-menu contextual-links-region footer-main__menu-title">Social</h2> <ul class="menu nav"> <li class="leaf social-footer-links__item social-footer-links__item--linkedin"> <a href="https://www.linkedin.com/company/financial-conduct-authority" aria-label="LinkedIn" title ="Publish this post to LinkedIn" class="linkedin" target="_blank" rel="noopener noreferrer"> <span class="visually-hidden">LinkedIn</span> <span class="social-footer-links__item__icon"></span> </a> </li> <li class="leaf social-footer-links__item social-footer-links__item--rss feed"> <a href="/news/rss.xml" aria-label="RSS Feed" title ="Subscribe to our RSS feed" class="rss feed" target="_blank" rel="noopener noreferrer"> <span class="visually-hidden">RSS Feed</span> <span class="social-footer-links__item__icon"></span> </a> </li> <li class="leaf social-footer-links__item social-footer-links__item--twitter"> <a href="https://twitter.com/thefca" aria-label="Twitter" title ="Share this on Twitter" class="twitter" target="_blank" rel="noopener noreferrer"> <span class="visually-hidden">Twitter</span> <span class="social-footer-links__item__icon"></span> </a> </li> </ul> </section> <section id="block-menu-menu-systems" class="block block-menu clearfix footer-main__column"> <h2 id="footerSystemsList" class="h3 block block-menu footer-main__menu-title"> <span class="footer-main__menu-title-desktop">Registers and Systems</span> <a class="overlay-link collapsed" role="button" data-toggle="collapse" href="#footerSystems" aria-expanded="false" aria-controls="footerSystems">Registers and Systems</a> <span class="hidden-md hidden-lg footer-section-collapse" aria-hidden="true"></span> </h2> <div id="footerSystems" class="collapse"> <ul class="menu nav"> <li class="leaf"> <a href="/firms/connect">Connect</a> </li> <li class="leaf"> <a href="/about/how-we-regulate/handbook">FCA Handbook</a> </li> <li class="leaf"> <a href="/firms/financial-services-register">Financial Services Register</a> </li> <li class="leaf"> <a href="/firms/regdata">RegData</a> </li> </ul> </div> </section> <section id="block-menu-menu-careers" class="block block-menu clearfix footer-main__column"> <h2 id="carrersList" class="h3 block block-menu footer-main__menu-title"> <span class="footer-main__menu-title-desktop">Careers</span> <a class="overlay-link collapsed" role="button" data-toggle="collapse" href="#footerCareers" aria-expanded="false" aria-controls="footerCareers">Careers</a> <span class="hidden-md hidden-lg footer-section-collapse" aria-hidden="true"></span> </h2> <div id="footerCareers" class="collapse"> <ul class="menu nav"> <li class="leaf"> <a href="/careers">Careers home</a> </li> <li class="leaf"> <a href="/careers/early-careers">Early careers</a> </li> <li class="leaf"> <a href="/careers/experienced-professionals">Experienced professionals</a> </li> </ul> </div> </section> <section id="block-block-1" class="block block-block clearfix footer-main__column"> <h2 id="contactInfo" class="h3 block block-block footer-main__menu-title"> <span class="footer-main__menu-title-desktop">Contact</span> <a class="overlay-link collapsed" role="button" data-toggle="collapse" href="#footerContact" aria-expanded="false" aria-controls="footerContact">Contact</a> <span class="hidden-md hidden-lg footer-section-collapse" aria-hidden="true"></span> </h2> <div id="footerContact" class="footer-main__content-wrapper collapse"> <p>FCA Head Office</p> <p>12 Endeavour Square</p> <p>London E20 1JN</p> <p><a class="btn btn-primary" href="/contact">Contact us</a></p> </div> </section> </div> </div> <div class="footer__plain-text-logo"> <a href="https://www.clearest.co.uk/gold-standard" title="Plain Language Commission. Clear English Gold Standard Award logo" class="" target="_blank"> <span class="visually-hidden">Plain Language Commission Gold Award</span> <img class="plain-text-logo__img" src="/themes/custom/fca/images/PLC_CES_GOLD.png" alt="Plain Language Commission. Clear English Gold Standard Award logo" width="62" height="79"> </a> </div> </div> </div> <div class="footer-bottom"> <div class="container"> <div class="row"> <div class="col-xs-8 col-sm-4 footer-bottom__column"> <p class="footer-bottom__copyright">Copyright © 2024 FCA. All rights reserved.</p> </div> <div class="col-xs-4 col-sm-4 footer-bottom__column"> <div class="footer-bottom__back-to-top"> <a href="#"> <span class="glyphicon glyphicon-menu-up" aria-hidden="true"></span> <p>Back to top</p> </a> </div> </div> <div class="col-xs-12 col-sm-4 footer-bottom__column"> <p class="footer-bottom__company-number">Company no. 01920623</p> </div> </div> </div> </div> </footer> </div> <script data-cfasync="false" src="/cdn-cgi/scripts/5c5dd728/cloudflare-static/email-decode.min.js"></script><script type="text/javascript">window.NREUM||(NREUM={});NREUM.info={"beacon":"bam.nr-data.net","licenseKey":"1bdb6f7fb8","applicationID":"1114563801","transactionName":"M11RYUQDWUVTVEcPDAoXcEBFFlhbHVJdEgoQQR1bWQZSGFFWXQkNDVtSWQwBWFhBQl4DERc=","queueTime":10,"applicationTime":1493,"atts":"HxpGFwwZShoQVhFcGBlF","errorBeacon":"bam.nr-data.net","agent":""}</script> <script type="application/json" data-drupal-selector="drupal-settings-json">{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/3611","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"multiselect":{"widths":250},"selection_sharer":{"jquery_selectors":[".node-publication-longform div",".node-publication-longform h1",".node-publication-longform h2",".node-publication-longform h3",".node-publication-longform h4",".node-publication-longform h5",".node-publication-longform h6",".node-publication-longform p"]},"data":{"extlink":{"extTarget":true,"extTargetNoOverride":false,"extNofollow":false,"extNoreferrer":false,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":false,"extExclude":"(fca\\.org\\.uk)|(fsa\\.gov\\.uk)|(fcatest\\.org\\.uk)","extInclude":"","extCssExclude":"","extCssExplicit":"","extAlert":false,"extAlertText":"This link will take you to an external web site. We are not responsible for their content.","mailtoClass":"0","mailtoLabel":"(link sends email)","extUseFontAwesome":false,"extIconPlacement":"append","extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","whitelistedDomains":null}},"eu_cookie_compliance":{"cookie_policy_version":"1.0.0","popup_enabled":true,"popup_agreed_enabled":false,"popup_hide_agreed":true,"popup_clicking_confirmation":false,"popup_scrolling_confirmation":false,"popup_html_info":"\u003Cdiv role=\u0022dialog\u0022 id=\u0022cookiepopup\u0022 title=\u0022Cookie popup\u0022 class=\u0022eu-cookie-compliance-banner eu-cookie-compliance-banner-info eu-cookie-compliance-banner--categories\u0022\u003E\n \u003Cdiv class=\u0022popup-content info\u0022\u003E\n \u003Cdiv class=\u0022popup-text\u0022\u003E\n \u003Cp\u003EWe use cookies to improve your online experience. Some cookies are necessary to make the site work. We\u2019d like to set additional cookies to understand how the website is used. These are optional. All cookie data is anonymised. View \u003Ca data-entity-substitution=\u0022canonical\u0022 data-entity-type=\u0022node\u0022 data-entity-uuid=\u0022e112e960-2a79-48ce-9cd3-8537356a784a\u0022 href=\u0022\/privacy\/our-use-cookies\u0022 title=\u0022Our use of cookies\u0022\u003Ecookies\u003C\/a\u003E.\u003C\/p\u003E\n\n \u003C\/div\u003E\n \u003Cul id=\u0022eu-cookie-compliance-categories\u0022 class=\u0022eu-cookie-compliance-categories list-inline list-unstyled hidden\u0022\u003E\n \u003Cli class=\u0022eu-cookie-compliance-category\u0022\u003E\n \u003Cdiv\u003E\n \u003Cinput type=\u0022checkbox\u0022 name=\u0022cookie-categories\u0022 id=\u0022cookie-category-functional\u0022\n value=\u0022functional\u0022 \u003E\n \u003Clabel for=\u0022cookie-category-functional\u0022\u003EFunctional\u003C\/label\u003E\n \u003C\/div\u003E\n\n \u003Cdiv class=\u0022eu-cookie-compliance-category-description\u0022\u003EThese cookies are necessary for the operation of the FCA.org.uk web site\u003C\/div\u003E\n \u003C\/li\u003E\n \u003Cli class=\u0022eu-cookie-compliance-category\u0022\u003E\n \u003Cdiv\u003E\n \u003Cinput type=\u0022checkbox\u0022 name=\u0022cookie-categories\u0022 id=\u0022cookie-category-tracking_ad\u0022\n value=\u0022tracking_ad\u0022 \u003E\n \u003Clabel for=\u0022cookie-category-tracking_ad\u0022\u003ENon-functional\u003C\/label\u003E\n \u003C\/div\u003E\n\n \u003Cdiv class=\u0022eu-cookie-compliance-category-description\u0022\u003EAccept analytics and campaign advertising cookies\u003C\/div\u003E\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003Cdiv class=\u0022eu-cookie-compliance-category-fca-custom\u0022\u003E\n \u003Cbutton type=\u0022button\u0022 class=\u0022btn agree\u0022\u003EAccept additional cookies\u003C\/button\u003E\n \u003Cbutton type=\u0022button\u0022 class=\u0022btn dont-agree\u0022\u003EReject additional cookies\u003C\/button\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E","use_mobile_message":false,"mobile_popup_html_info":"\u003Cdiv role=\u0022dialog\u0022 id=\u0022cookiepopup\u0022 title=\u0022Cookie popup\u0022 class=\u0022eu-cookie-compliance-banner eu-cookie-compliance-banner-info eu-cookie-compliance-banner--categories\u0022\u003E\n \u003Cdiv class=\u0022popup-content info\u0022\u003E\n \u003Cdiv class=\u0022popup-text\u0022\u003E\n \n \u003C\/div\u003E\n \u003Cul id=\u0022eu-cookie-compliance-categories\u0022 class=\u0022eu-cookie-compliance-categories list-inline list-unstyled hidden\u0022\u003E\n \u003Cli class=\u0022eu-cookie-compliance-category\u0022\u003E\n \u003Cdiv\u003E\n \u003Cinput type=\u0022checkbox\u0022 name=\u0022cookie-categories\u0022 id=\u0022cookie-category-functional\u0022\n value=\u0022functional\u0022 \u003E\n \u003Clabel for=\u0022cookie-category-functional\u0022\u003EFunctional\u003C\/label\u003E\n \u003C\/div\u003E\n\n \u003Cdiv class=\u0022eu-cookie-compliance-category-description\u0022\u003EThese cookies are necessary for the operation of the FCA.org.uk web site\u003C\/div\u003E\n \u003C\/li\u003E\n \u003Cli class=\u0022eu-cookie-compliance-category\u0022\u003E\n \u003Cdiv\u003E\n \u003Cinput type=\u0022checkbox\u0022 name=\u0022cookie-categories\u0022 id=\u0022cookie-category-tracking_ad\u0022\n value=\u0022tracking_ad\u0022 \u003E\n \u003Clabel for=\u0022cookie-category-tracking_ad\u0022\u003ENon-functional\u003C\/label\u003E\n \u003C\/div\u003E\n\n \u003Cdiv class=\u0022eu-cookie-compliance-category-description\u0022\u003EAccept analytics and campaign advertising cookies\u003C\/div\u003E\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003Cdiv class=\u0022eu-cookie-compliance-category-fca-custom\u0022\u003E\n \u003Cbutton type=\u0022button\u0022 class=\u0022btn agree\u0022\u003EAccept additional cookies\u003C\/button\u003E\n \u003Cbutton type=\u0022button\u0022 class=\u0022btn dont-agree\u0022\u003EReject additional cookies\u003C\/button\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E","mobile_breakpoint":768,"popup_html_agreed":false,"popup_use_bare_css":false,"popup_height":"auto","popup_width":"100%","popup_delay":0,"popup_link":"\/privacy","popup_link_new_window":true,"popup_position":true,"fixed_top_position":true,"popup_language":"en","store_consent":true,"better_support_for_screen_readers":false,"cookie_name":"fca-cookie-agreed","reload_page":false,"domain":"","domain_all_sites":true,"popup_eu_only":false,"popup_eu_only_js":false,"cookie_lifetime":100,"cookie_session":0,"set_cookie_session_zero_on_disagree":0,"disagree_do_not_show_popup":false,"method":"categories","automatic_cookies_removal":true,"allowed_cookies":"","withdraw_markup":"\u003Cbutton type=\u0022button\u0022 class=\u0022eu-cookie-withdraw-tab\u0022\u003EPrivacy settings\u003C\/button\u003E\n\u003Cdiv aria-labelledby=\u0022popup-text\u0022 class=\u0022eu-cookie-withdraw-banner\u0022\u003E\n \u003Cdiv class=\u0022popup-content info eu-cookie-compliance-content\u0022\u003E\n \u003Cdiv id=\u0022popup-text\u0022 class=\u0022eu-cookie-compliance-message\u0022 role=\u0022document\u0022\u003E\n \u003Ch2\u003EWe use cookies on this site to enhance your user experience\u003C\/h2\u003E\n\u003Cp\u003EYou have given your consent for us to set cookies.\u003C\/p\u003E\n\n \u003C\/div\u003E\n \u003Cdiv id=\u0022popup-buttons\u0022 class=\u0022eu-cookie-compliance-buttons\u0022\u003E\n \u003Cbutton type=\u0022button\u0022 class=\u0022eu-cookie-withdraw-button \u0022\u003EWithdraw consent\u003C\/button\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E","withdraw_enabled":false,"reload_options":null,"reload_routes_list":"","withdraw_button_on_info_popup":false,"cookie_categories":["functional","tracking_ad"],"cookie_categories_details":{"functional":{"uuid":"fb668dca-4dd1-4440-a59b-c9d1e9fadac3","langcode":"en","status":true,"dependencies":[],"_core":{"default_config_hash":"D36tcirS9rFdab-vbBsKvs8J4M5hJ92XFL2hzdzE49I"},"id":"functional","label":"Functional","description":"These cookies are necessary for the operation of the FCA.org.uk web site","checkbox_default_state":"required","weight":-9},"tracking_ad":{"uuid":"5465d273-1c80-4a6e-aad2-dbba16b67955","langcode":"en","status":true,"dependencies":[],"_core":{"default_config_hash":"PgmYhbjZvqPNFf00v-fm0sr1Osx9rNtzn--g1g1ILtI"},"id":"tracking_ad","label":"Non-functional","description":"Accept analytics and campaign advertising cookies","checkbox_default_state":"unchecked","weight":-8}},"enable_save_preferences_button":true,"cookie_value_disagreed":"0","cookie_value_agreed_show_thank_you":"1","cookie_value_agreed":"2","containing_element":"body","settings_tab_enabled":false,"olivero_primary_button_classes":"","olivero_secondary_button_classes":"","close_button_action":"close_banner","open_by_default":true,"modules_allow_popup":true,"hide_the_banner":false,"geoip_match":true},"simpleautologout":{"popup":1500000},"bootstrap":{"forms_has_error_value_toggle":1,"modal_animation":1,"modal_backdrop":"true","modal_focus_input":1,"modal_keyboard":1,"modal_select_text":1,"modal_show":1,"modal_size":"","popover_enabled":1,"popover_animation":1,"popover_auto_close":1,"popover_container":"body","popover_content":"","popover_delay":"0","popover_html":0,"popover_placement":"right","popover_selector":"","popover_title":"","popover_trigger":"click"},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM#webform-submission-page-feedback-form-node-3611-add-form":true,"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"question_total":4,"question_order":{"316":0,"321":1,"326":2,"331":3},"fcaFunnelback":{"funnelbackCollection":"fcauk~sp-push-prod","profiles":{"header":"_default"}},"disable_all_popups":1,"global_popup":{"popup_global_enabled":1,"popup_global_title":"Global popup banner test","popup_global_text":"\u003Cp\u003Etest content\u0026nbsp;test content\u0026nbsp;test content\u0026nbsp;test content\u0026nbsp;test content\u0026nbsp;test content\u0026nbsp;test content.\u003C\/p\u003E\r\n","popup_config_button":"Continue"},"ckeditor5Premium":{"isMediaInstalled":true},"user":{"uid":0,"permissionsHash":"6f6109d1fc5d7d0e28d845bee4f04c752dd4edba77c644ed82733edde817fbbe"}}</script> <script src="/sites/default/files/js/js_2vY6qqlB8YhKGr2s_OT0SoJiXQ4E4gD0T5hCZ27VO_4.js?scope=footer&delta=0&language=en&theme=fca&include=eJyVkVFuxCAMBS9EwpGQQ15IFMAIm2339k3QdtuqWVX9wTA8GRgEEV43zk5WqqhWPsHQwWwWTzZEnigOove45WDwrkfd7VxboTg-lgbNeeZ9w1FSiRtlD3sFzcSsopWKLVz4htpP0RUJo_jKMUq5mzdMC9dkH3U8h1_wuG5C1nGG0hZlFLrhz5ByCPF1LEGEAkyFp6J-JfucfWOB-WgyPoFDftmRy6lU-jNn-E1O41qBk7il5Yw4kd_t13SgptydQXvM_ow6AVW_um7l3DpUti60lWGiI9atXnzJJf1P1gVNH4hF3m4"></script> <script src="/modules/contrib/eu_cookie_compliance/js/eu_cookie_compliance.min.js?v=10.3.9" defer></script> <script src="/themes/custom/fca/assets/js/fca-cookie-patch.min.js?snrt07" defer></script> <script src="/sites/default/files/js/js_Tnyd2J9pOellg3g-i8tDsxB3qp4Z4f9RdVznoQkOCvA.js?scope=footer&delta=3&language=en&theme=fca&include=eJyVkVFuxCAMBS9EwpGQQ15IFMAIm2339k3QdtuqWVX9wTA8GRgEEV43zk5WqqhWPsHQwWwWTzZEnigOove45WDwrkfd7VxboTg-lgbNeeZ9w1FSiRtlD3sFzcSsopWKLVz4htpP0RUJo_jKMUq5mzdMC9dkH3U8h1_wuG5C1nGG0hZlFLrhz5ByCPF1LEGEAkyFp6J-JfucfWOB-WgyPoFDftmRy6lU-jNn-E1O41qBk7il5Yw4kd_t13SgptydQXvM_ow6AVW_um7l3DpUti60lWGiI9atXnzJJf1P1gVNH4hF3m4"></script> <script src="//code.jquery.com/ui/1.11.4/jquery-ui.min.js"></script> <script src="/sites/default/files/js/js_HFLW_3cv6opV4NgX4gLFc923GyUm962qeyuyvxafTAM.js?scope=footer&delta=5&language=en&theme=fca&include=eJyVkVFuxCAMBS9EwpGQQ15IFMAIm2339k3QdtuqWVX9wTA8GRgEEV43zk5WqqhWPsHQwWwWTzZEnigOove45WDwrkfd7VxboTg-lgbNeeZ9w1FSiRtlD3sFzcSsopWKLVz4htpP0RUJo_jKMUq5mzdMC9dkH3U8h1_wuG5C1nGG0hZlFLrhz5ByCPF1LEGEAkyFp6J-JfucfWOB-WgyPoFDftmRy6lU-jNn-E1O41qBk7il5Yw4kd_t13SgptydQXvM_ow6AVW_um7l3DpUti60lWGiI9atXnzJJf1P1gVNH4hF3m4"></script> </body> </html>

CINXE.COM

Unfair contracts | FCA