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  1. Policy and research
  2. Consultation responses

Consultation responses

Below you can read our responses to various consultations and policy statements. Older responses can be viewed here. 

FCA and FOS Modernising the Redress System

Read our response to CP-26-9, Modernising the Redress System

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Read our response to CP-26-9, Modernising the Redress System

Published: 11th May, 2026

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UK Government's Money Advice Scotland’s response to ​​​Public Authorities (Fraud, Error and Recovery) Act DWP Codes of Practice: Verifying Eligibility in the Welfare System, Obtaining Information and Recovering Debt Consultation

Read our response to UK Government's Money Advice Scotland’s response to ​​​Public Authorities (Fraud, Error and Recovery) Act DWP Codes of Practice: Verifying Eligibility in the Welfare System, Obtaining Information and Recovering Debt Consultation.

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Read our response to UK Government's Money Advice Scotland’s response to ​​​Public Authorities (Fraud, Error and Recovery) Act DWP Codes of Practice: Verifying Eligibility in the Welfare System, Obtaining Information and Recovering Debt Consultation.

Published: 2nd March, 2026

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Scottish Government's Penalty Charge Notice (PCN) Levels for Decriminalised Parking Enforcement Consultation

Read our response to the Scottish Government's Penalty Charge Notice (PCN) Levels for Decriminalised Parking Enforcement Consultation.

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Read our response to the Scottish Government's Penalty Charge Notice (PCN) Levels for Decriminalised Parking Enforcement Consultation.

Published: 2nd March, 2026

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Scottish Government's Scottish Court Fees 2025-2027 Consultation

Read our response to the Scottish Government's Scottish Court Fees 2025-2027 Consultation.

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Read our response to the Scottish Government's Scottish Court Fees 2025-2027 Consultation.

Published: 2nd March, 2026

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Scottish Government's Future of Council Tax Consultation

Read our response to the Scottish Government's Future of Council Tax Consultation

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Read our response to the Scottish Government's Future of Council Tax Consultation

Published: 26th February, 2026

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UK Government's Continuing the Warm Home Discount Scheme Consultation

Read our response to the UK Government's Continuing the Warm Home Discount Scheme consultation.

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Read our response to the UK Government's Continuing the Warm Home Discount Scheme consultation.

Published: 26th February, 2026

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Financial Ombudsman Service’s differentiated case fees Consultation

Read our response to the Financial Ombudsman Service’s differentiated case fees consultation paper.

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Read our response to the Financial Ombudsman Service’s differentiated case fees consultation paper.

Published: 26th February, 2026

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UK Government's Review of the Financial Ombudsman Service Consultation

Read our response to the UK Government's Review of the Financial Ombudsman Service Consultation

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Read our response to the UK Government's Review of the Financial Ombudsman Service Consultation

Published: 24th February, 2026

Updated: 16th June, 2026

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UK Government's Green Paper: Future of Post Office Consultation

Read our response to UK Government's Green Paper: Future of Post Office Consultation.

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Read our response to UK Government's Green Paper: Future of Post Office Consultation.

Published: 24th February, 2026

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Financial Conduct Authority's CP25/23: Deferred Payment Credit (unregulated Buy Now Pay Later): Proposed approach to regulation

Read our response to the Financial Conduct Authority's CP25/23: Deferred Payment Credit (unregulated Buy Now Pay Later): Proposed approach to regulation consultation.

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Read our response to the Financial Conduct Authority's CP25/23: Deferred Payment Credit (unregulated Buy Now Pay Later): Proposed approach to regulation consultation.

Published: 24th February, 2026

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UK Governement's Expanding the information sharing powers in Part 5 (chapter one) of the Digital Economy Act 2017 to support passported benefits and reduce fuel poverty

Read our response to the UK Governement's Expanding the information sharing powers in Part 5 (chapter one) of the Digital Economy Act 2017 to support passported benefits and reduce fuel poverty consultation.

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Read our response to the UK Governement's Expanding the information sharing powers in Part 5 (chapter one) of the Digital Economy Act 2017 to support passported benefits and reduce fuel poverty consultation.

Published: 24th February, 2026

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Competition and Market Authority/UK Government's Consultation on price transparency guidance consultation

Read our response to the Competition and Market Authority/UK Government's Consultation on price transparency guidance consultation.

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Read our response to the Competition and Market Authority/UK Government's Consultation on price transparency guidance consultation.

Published: 24th February, 2026

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UK Government's ​​Private parking code of practice​ consultation

Read our UK Government's ​​Private parking code of practice​ consultation.

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Read our UK Government's ​​Private parking code of practice​ consultation.

Published: 24th February, 2026

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Scottish Civil Justice Council's PUBLIC CONSULTATION: on a simplified table of fees (for officers of court)

Read our response to Scottish Civil Justice Council's PUBLIC CONSULTATION: on a simplified table of fees (for officers of court).

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Read our response to Scottish Civil Justice Council's PUBLIC CONSULTATION: on a simplified table of fees (for officers of court).

Published: 24th February, 2026

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UK Government's Tax Treatment of Remote Gambling Consultation

Read our response to UK Government's Tax Treatment of Remote Gambling Consultation

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Read our response to the UK Government's Tax Treatment of Remote Gambling Consultation here.

Published: 24th February, 2026

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UK Government's Consultation on Consumer Credit Act 1974 (CCA) Reform

Read our response to UK Government's Consultation on Consumer Credit Act 1974 (CCA) Reform.

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Read our response to UK Government's Consultation on Consumer Credit Act 1974 (CCA) Reform.

Published: 24th February, 2026

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UK Government's ‘Pathways to Work: Reforming Benefits and Support to Get Britain Working Green Paper’

Read our response to ‘Pathways to Work: Reforming Benefits and Support to Get Britain Working Green Paper’

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Read our response to ‘Pathways to Work: Reforming Benefits and Support to Get Britain Working Green Paper’

Published: 24th February, 2026

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Review of Scotland’s statutory debt solutions: Stage 3 Consultation

Read our response to Review of Scotland’s statutory debt solutions: Stage 3 Consultation

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Read our response to Review of Scotland’s statutory debt solutions: Stage 3 Consultation here.

Published: 24th February, 2026

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Scottish Government's Mitigation of The Two Child Cap Consultation

Read our response to the Scottish Government's Mitigation of The Two Child Cap Consultation.

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Read our response to the Scottish Government's Mitigation of The Two Child Cap Consultation.

Published: 14th July, 2025

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Scottish Government's Debt Recovery (Mental Health Moratorium) (Scotland) Regulations Consultation March 2025

Our response to the Scottish Government's Debt Recovery (Mental Health Moratorium) (Scotland) Regulations Consultation March 2025

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Read our response to the Scottish Government's Debt Recovery (Mental Health Moratorium) (Scotland) Regulations Consultation March 2025

Published: 8th July, 2025

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UK Government's Regulation of Buy-Now, Pay-Later Consultation on Draft Legislation November 2024

Our response to the UK Government's consultation on Regulation of Buy-Now, Pay-Later Consultation on Draft Legislation

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Our response to the UK Government's consultation on Regulation of Buy-Now, Pay-Later Consultation on Draft Legislation. 

Published: 3rd July, 2025

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FCA's Review of FCA requirements following the introduction of the Consumer Duty October 2024

Our response to the FCA's Review of FCA requirements following the introduction of the Consumer Duty October 2024

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Our response to the FCA's Review of FCA requirements following the introduction of the Consumer Duty October 2024.

Published: 3rd July, 2025

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Ofgem Call for Input on Standing charges: domestic retail options September 2024

Our response to Ofgem's Call for Input on Standing charges: domestic retail options

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Our response to Ofgem's Call for Input on Standing charges: domestic retail options September 2024.

Published: 3rd July, 2025

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Scottish Government's Post Legislative Scrutiny of the Child Poverty (Scotland) Act 2017

Our response to the Scottish Government's Post Legislative Scrutiny of the Child Poverty (Scotland) Act 2017 September 2024

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Our response to the Scottish Government's Post Legislative Scrutiny of the Child Poverty (Scotland) Act 2017.

Published: 3rd July, 2025

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