Regulators and Codes of Conduct
We know that our customers have high expectations of us, and rightly so. To this end we not only ensure we meet or exceed what our regulators ask of us, we actively go out our way to join other reputable organisations that can help ensure we really challenge ourselves and the credit card industry to bring the best products and services to the consumer.
Regulators
Representing ethical conduct and best practice
The Financial Services Authority (FSA) is an independent organisation responsible for regulating financial services in the UK.
The FSA's aim is to promote efficient, orderly and fair financial markets and help retail financial service consumers get a fair deal, which includes credit card companies.
The FSA was set up by government. The government is responsible for the overall scope of the FSA's regulatory activities and for its powers.
The FSA regulates most financial services markets (including credit card companies), exchanges and firms. It sets the standards that they must meet and can take action against firms if they fail to meet the required standards. If you would like further information please visit the FSA.
An independent body, protecting consumers
The OFT is an independent organisation that protects consumers interests and ensures fair and open competition between businesses.
To find out more please visit the OFT website.
Codes of Conduct
A voluntary code setting standards of good banking practice
The Lending Code sets minimum standards of good practice when dealing with customers. The Lending Code covers good practice in relation to loans, credit cards, charge cards and current account overdrafts.
Compliance with the terms of this Code is independently monitored and enforced by the Lending Standards Board (LSB). To view a list of subscribers, and see a copy of the Lending Code please visit the Lending Code.
Upholding the highest professional standards
Capital One is an affiliate member of the CSA. The CSA are dedicated to upholding the highest professional standards with the Trade Protection industry. If you would like further information visit the CSA website
Representing ethical conduct and best practice
Capital One is a member of the Direct Marketing Association (DMA) and operates within the rules of the DMA's Code of Practice, which sets standards of ethical conduct and best practice. If you would like further information please visit the DMA
Capital One is a member of the DBSG, and abide by the association's Code of Conduct. To find out more please visit the DBSG
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