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To ask His Majesty's Government what steps they are taking to protect consumers from artificial intelligence-enabled financial fraud and scams conducted through online platforms and messaging services.
To ask His Majesty's Government what steps they are taking to protect consumers from artificial intelligence-enabled financial fraud and scams conducted through online platforms and messaging services.
This Government is deeply concerned by the devastating impact online fraud can have on victims, both financially and emotionally, including that which is artificial intelligence (AI)-enabled.
That is why, under the Online Safety Act (OSA), the Government has taken action to ensure online platforms and services are required to implement robust preventative measures to stop fraudulent content from reaching potential victims. AI content is treated no differently to other types of content under the OSA – if it is fraudulent in nature, platforms are required to prevent it from reaching users and take swift action if it does appear.
From mid-2027 the largest in-scope companies will also be required to take greater steps to prevent fraudulent adverts from appearing, including those that are AI-enabled.
This briefing covers the scale of banking fraud, how the police respond to fraud, and what the public and private sectors are doing to reduce the impact of banking fraud.
This briefing covers the scale of banking fraud, how the police respond to fraud, and what the public and private sectors are doing to reduce the impact of banking fraud.
The government plans to change consumer credit law. This briefing looks at how this affects borrowers, buy-now-pay-later regulation and car finance misselling.
The government plans to change consumer credit law. This briefing looks at how this affects borrowers, buy-now-pay-later regulation and car finance misselling.
Key data and pressures facing the retail sector in the UK.
Key data and pressures facing the retail sector in the UK.
Business and consumer sentiment can give an early indication of economic trends. Find the latest data on what businesses and consumers expect for the UK economy.
Business and consumer sentiment can give an early indication of economic trends. Find the latest data on what businesses and consumers expect for the UK economy.
The government, the Gambling Commission, and local authorities are responsible for regulating gambling in Great Britain.
The government, the Gambling Commission, and local authorities are responsible for regulating gambling in Great Britain.
To ask the Secretary of State for Digital, Culture, Media and Sport, what assessment has been made of the potential impact of the Gambling Commission's proposed affordability checks for bets of more than £1,000 on the horse racing industry.
To ask the Secretary of State for Digital, Culture, Media and Sport, what assessment has been made of the potential impact of the Gambling Commission's proposed affordability checks for bets of more than £1,000 on the horse racing industry.
The Government recognises the significant contribution that racing makes to British sporting culture and its importance to the British economy. Horseracing is the only sport in receipt of a direct government-mandated levy which helps to drive improvements in the sport.
On 7 July the Gambling Commission announced that its Board has decided to implement Financial Risk Assessments (FRAs) in a careful, phased way. The Government has been supportive of the policy intent behind these assessments, and welcomes their decision to do this in a careful phased way.
The vast majority of consumers will not face any change to their customer experience. A consumer who undergoes an FRA as a result of a net deposit of £1000 or more in a 24 hour period will not automatically be subject to operator action, such as account restrictions. It will instead be for the operator to determine whether or not action is needed, based on both FRA data and the data they already have on the consumer. It is therefore right that the Commission is taking a phased approach to implementation, to ensure that operators are given as clear guidance as possible on options for responding to an FRA.
We recognise the horseracing sector has concerns about FRAs. Both the Minister for Gambling and the Gambling Commission have met the British Horseracing Authority and wider racing stakeholders to discuss these concerns. We would now encourage the sector to engage constructively with the Commission during the upcoming implementation phase.
Learn about the rollout of full fibre broadband in the UK, including funding programmes and options for people who cannot access high speed broadband.
Learn about the rollout of full fibre broadband in the UK, including funding programmes and options for people who cannot access high speed broadband.
To ask the Secretary of State for Housing, Communities and Local Government, what assessment he has made of the adequacy of consumer protections for older people buying leasehold properties in retirement homes.
To ask the Secretary of State for Housing, Communities and Local Government, what assessment he has made of the adequacy of consumer protections for older people buying leasehold properties in retirement homes.
Statement on legislative consent. Lords third reading. Amendment 1 agreed to. Privilege amendment agreed to. Bill passed and sent to the Commons.
Statement on legislative consent. Lords third reading. Amendment 1 agreed to. Privilege amendment agreed to. Bill passed and sent to the Commons.
Moved by
Lord Hendy of Richmond Hill
Moved by
Lord Hendy of Richmond Hill
My Lords, I will now make a short statement on the position regarding legislative consent on the Bill. The Government accept that legislative consent from the Northern Ireland Assembly would be required for Clauses 1, 5 and 11. These clauses cover areas that aim to modernise air passenger rights, strengthen...
My Lords, I will now make a short statement on the position regarding legislative consent on the Bill. The Government accept that legislative consent from the Northern Ireland Assembly would be required for Clauses 1, 5 and 11. These clauses cover areas that aim to modernise air passenger rights, strengthen...
Moved by
Lord Hendy of Richmond Hill
1: Schedule 1, page 33, line 21, leave out paragraph (c)
Member’s explanatory statement
This amendment would remove provision that is unnecessary because the statement of policy prepared by the CMA under paragraph 16F of Schedule 5 to the Consumer Rights Act 2015 will apply to all...
Moved by
Lord Hendy of Richmond Hill
1: Schedule 1, page 33, line 21, leave out paragraph (c)
Member’s explanatory statement
This amendment would remove provision that is unnecessary because the statement of policy prepared by the CMA under paragraph 16F of Schedule 5 to the Consumer Rights Act 2015 will apply to all...
My Lords, the Government have brought forward a minor and technical amendment. Schedule 1 to the Bill currently amends Schedule 5 to the Consumer Rights Act 2015 to refer us to a statement of enforcement policy prepared by a direct enforcement authority. However, under paragraph 16F of Schedule 5, the...
My Lords, the Government have brought forward a minor and technical amendment. Schedule 1 to the Bill currently amends Schedule 5 to the Consumer Rights Act 2015 to refer us to a statement of enforcement policy prepared by a direct enforcement authority. However, under paragraph 16F of Schedule 5, the...
Moved by
Lord Hendy of Richmond Hill
Moved by
Lord Hendy of Richmond Hill
My Lords, I am pleased that we are reaching the departure gate for this Bill’s passage through your Lordships’ House.
My Lords, I am pleased that we are reaching the departure gate for this Bill’s passage through your Lordships’ House.
Oh!
Oh!
I know—sorry. There is only one more like that. The Bill is focused on strengthening consumer rights and protections, reforming aviation regulation and enhancing aviation safety. Your Lordships’ contributions have ensured that the Bill leaves this place in a stronger shape. This is particularly true with regard to improving the...
I know—sorry. There is only one more like that. The Bill is focused on strengthening consumer rights and protections, reforming aviation regulation and enhancing aviation safety. Your Lordships’ contributions have ensured that the Bill leaves this place in a stronger shape. This is particularly true with regard to improving the...
My Lords, I am grateful for the opportunity to speak at Third Reading. I begin by thanking the Minister for the constructive way in which he and his officials have engaged with this House throughout its passage. I also record my gratitude to noble Lords across the House for the...
My Lords, I am grateful for the opportunity to speak at Third Reading. I begin by thanking the Minister for the constructive way in which he and his officials have engaged with this House throughout its passage. I also record my gratitude to noble Lords across the House for the...
My Lords, I thought we were going to end on a positive note, but the departure gate gag has probably set us back quite a bit this afternoon.
I thank the Minister for his engagement and also thank the Bill team and the Public Bill Office. On Report, he indicated to...
My Lords, I thought we were going to end on a positive note, but the departure gate gag has probably set us back quite a bit this afternoon.
I thank the Minister for his engagement and also thank the Bill team and the Public Bill Office. On Report, he indicated to...