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Financial Services Compensation Scheme

Asked by Stephen GethinsScottish National PartyTreasuryTabled Answered 12 June 2025UIN 58224

The question

To ask the Chancellor of the Exchequer, if she will make an assessment of the potential merits of changing the terms of the Financial Services Compensation Scheme to reimburse legal costs for victims of fraud.

Answered by Emma Reynolds

The rules governing the Financial Services Compensation Scheme (FSCS) for consumers of failed authorised firms, including where those consumers have been the victims of fraud, are set by the Prudential Regulation Authority (PRA) and the Financial Conduct Authority (FCA). They are set out in the PRA Rulebook and FCA Handbook within the framework set by Parliament. It is for the FSCS to assess individual claims and provide appropriate compensation in line with those rules and depending on the circumstances of the claim and the regulated activity involved.

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