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To ask the Secretary of State for Business, Innovation, Science and Trade, what recent assessment has he made about trends in the use of AI to misrepresent products to consumers.
To ask the Secretary of State for Business, Innovation, Science and Trade, what recent assessment has he made about trends in the use of AI to misrepresent products to consumers.
The Government is committed to ensuring that consumers can shop online with confidence and that businesses using AI do so in compliance with consumer protection legislation. The Digital Markets, Competition and Consumers Act 2024 prohibits unfair commercial practices, including misleading actions, and strengthens the CMA’s enforcement powers with the ability to impose fines of up to 10% of global turnover for businesses that are found to breach consumer law.
The CMA has also recently published guidance for businesses using agentic AI on complying with consumer law, making clear that businesses remain responsible for the outputs of AI systems they deploy.
To ask the Secretary of State for Business and Trade, what recent progress he has been made on enforcement measures relating to fake or misleading online reviews.
To ask the Secretary of State for Business and Trade, what recent progress he has been made on enforcement measures relating to fake or misleading online reviews.
Under the Digital Markets, Competition and Consumers Act 2024 (DMCCA), online platforms must take reasonable steps to ensure consumer reviews on their sites are genuine. The Competition and Markets Authority (CMA) has published guidance for businesses that publish reviews to help meet their legal obligations.
The DMCCA has given the CMA new direct enforcement powers to decide if certain consumer laws have been breached and to fine businesses up to 10% of annual turnover.
The CMA currently has five live investigations into businesses that may have infringed consumer law in relation to online reviews: Fake and misleading reviews: 5 businesses under CMA investigation - GOV.UK
To ask the Chancellor of the Exchequer, what assessment her Department has made of the potential impact of management firms misrepresenting themselves as insurers when contacting consumers following road traffic accidents on consumers; and whether she has discussed this practice with the Solicitors Regulation Authority.
To ask the Chancellor of the Exchequer, what assessment her Department has made of the potential impact of management firms misrepresenting themselves as insurers when contacting consumers following road traffic accidents on consumers; and whether she has discussed this practice with the Solicitors Regulation Authority.
The Government expects motorists to be treated fairly when making insurance claims. The Financial Conduct Authority (FCA) is the independent regulator responsible for regulating insurers and certain claims management activities. The FCA’s rules require firms’ communications and financial promotions to be clear, fair, and not misleading.
Under the Financial Services and Markets Act 2000 (FSMA), Parliament sets the regulators’ statutory objectives, duties and accountability mechanisms, providing clear roles for government, Parliament, independent regulators and firms. The Government considers that this model gives regulators the powers and flexibility to respond to market practices and take action where firms fall short.
Where claims management activity is carried out by solicitors of law firms, this is regulated by the Solicitors Regulation Authority (SRA). The Ministry of Justice leads on matters relating to legal services regulation. The FCA works closely with other regulators, including the SRA, the Information Commissioner's Office and the Advertising Standards Authority, to tackle misleading advertising and poor practices where these fall within their respective remits.
This briefing provides information about the regulation of estate agents in England and Wales.
This briefing provides information about the regulation of estate agents in England and Wales.
To ask the Secretary of State for Energy Security and Net Zero, what steps he is taking to ensure that vulnerable consumers are protected from misleading claims about green energy tariffs.
To ask the Secretary of State for Energy Security and Net Zero, what steps he is taking to ensure that vulnerable consumers are protected from misleading claims about green energy tariffs.
The Government is committed to ensuring consumers, especially those in vulnerable circumstances, are treated fairly and protected from misleading green claims. Energy suppliers must comply with consumer protection law and Ofgem’s licence conditions, including rules on marketing and Standards of Conduct, which require clear, accurate and not misleading information.
Ofgem also protects vulnerable customers through specific safeguards and enforcement action where standards are not met. More broadly, the Competition and Market Authority’s Green Claims Code makes clear that environmental claims must be truthful, clear and substantiated. Through the Ofgem Review, we are strengthening the regulator so it can act as a stronger consumer champion.
To ask the Secretary of State for Science, Innovation and Technology, what steps her Department is taking to prevent websites from imitating legitimate digital services in order to mislead consumers into entering paid subscriptions.
To ask the Secretary of State for Science, Innovation and Technology, what steps her Department is taking to prevent websites from imitating legitimate digital services in order to mislead consumers into entering paid subscriptions.
The Online Safety Act lists certain fraud offences as ‘priority offences’, meaning regulated services must prevent users encountering user-generated fraudulent content, swiftly remove it when appearing, and mitigate and manage the risk of their services facilitating fraud. Ofcom has robust powers to act where services are failing in their regulatory duties.
Online platforms must comply with The Digital Markets, Competition and Consumers Act 2024, which clarifies that online platforms must exercise professional diligence in relation to consumer transactions promoted or made on their platforms. The legislation carries criminal penalties and is enforced by Trading Standards officers and the Competition and Markets Authority.
To ask the Solicitor General, what recent guidance has been issued to prosecutors regarding enforcement against companies engaging in misleading subscription practices.
To ask the Solicitor General, what recent guidance has been issued to prosecutors regarding enforcement against companies engaging in misleading subscription practices.
The Digital Markets, Competition and Consumers Act 2024 sets out new consumer protection rules for subscription contracts. Once the rules are in force, traders will have to provide clear information about subscription contracts before a consumer signs up, ensure that arrangements to exit the contract are straightforward, and provide a 14-day cooling-off period after a 12month+ contract or trial auto-renews.
The government has recently published its response to the Consultation on the Implementation of the new Subscription Contracts Regime: Consultation on the implementation of the new subscription contracts regime - GOV.UK.
The Competition and Markets Authority (CMA) and local Trading Standards can take enforcement action against breaches of consumer protection law, including breaches of the existing and new subscription rules once they are in force. The DMCCA gives the CMA new powers to impose fines of up to 10% of global turnover on businesses who infringe consumer protection law. We will continue to engage with the CMA ahead of new regulations commencing.
To ask the Secretary of State for Science, Innovation and Technology, what recent steps she has taken to help improve public awareness of the risks associated with using unofficial third party websites for accessing government services.
To ask the Secretary of State for Science, Innovation and Technology, what recent steps she has taken to help improve public awareness of the risks associated with using unofficial third party websites for accessing government services.
The department continues to strengthen GOV.UK as the authoritative source of online government information and services.
This includes upholding its clear and consistent identity so that users recognise and trust official content, supporting efforts to counter scams and misinformation. DSIT additionally works with the National Cyber Security Centre, Action Fraud and search engine providers to find and remove misleading websites.
To ask the Secretary of State for Science, Innovation and Technology, what discussions his Department has had with internet search providers on preventing unofficial websites from presenting themselves as government service portals and charging inflated fees for services.
To ask the Secretary of State for Science, Innovation and Technology, what discussions his Department has had with internet search providers on preventing unofficial websites from presenting themselves as government service portals and charging inflated fees for services.
The Government Digital Service works with a number of external partners, including internet search providers, to help prevent unofficial websites from presenting themselves as government services and charging inflated fees. This includes identifying and removing misleading or imitation sites.
GDS also cooperates with organisations such as the National Cyber Security Centre and Action Fraud to support wider efforts to tackle online scams and misinformation. Responsibility for taking action against websites that imitate or unfairly charge for specific government services primarily sits with the department that owns the relevant service.
To ask the Secretary of State for Science, Innovation and Technology, what assessment she has made of the prevalence of third party websites charging for government services that are otherwise free or low cost.
To ask the Secretary of State for Science, Innovation and Technology, what assessment she has made of the prevalence of third party websites charging for government services that are otherwise free or low cost.
While the department has not made a formal assessment of the prevalence of third‑party websites that charge for government services which are otherwise free or low cost, it is reducing their impact through prevention, enhancing awareness and collaborating with partners.
This includes strengthening GOV.UK as a trusted and recognisable brand to help users identify official government services, and working with the National Cyber Security Centre, Action Fraud and search engine providers to find and remove misleading websites.
Responsibility for taking action against imitation websites relating to specific services primarily sits with the department that owns the service concerned.
Motion that this House has considered hidden credit liabilities and the role of the Financial Conduct Authority. Motion lapsed.
Motion that this House has considered hidden credit liabilities and the role of the Financial Conduct Authority. Motion lapsed.
I beg to move,
That this House has considered hidden credit liabilities and the role of the Financial Conduct Authority.
I will explain the genesis of this debate, Sir Roger. I chair the all-party parliamentary group on investment fraud and fairer financial services. The group was established some years ago as a...
I beg to move,
That this House has considered hidden credit liabilities and the role of the Financial Conduct Authority.
I will explain the genesis of this debate, Sir Roger. I chair the all-party parliamentary group on investment fraud and fairer financial services. The group was established some years ago as a...
I congratulate the right hon. Member on securing this debate. As he referred to earlier, the conditions that pertained in 2008 and the financial crash have resulted in banks making massive changes, but the banks should not be allowed—or encouraged by the FCA in some instances, as he has outlined—to...
I congratulate the right hon. Member on securing this debate. As he referred to earlier, the conditions that pertained in 2008 and the financial crash have resulted in banks making massive changes, but the banks should not be allowed—or encouraged by the FCA in some instances, as he has outlined—to...
That theme runs through many of the reports that we have had from constituents about the failure of the FCA to protect them—to ensure that regulation was implemented to protect them. There were also elements of almost turning a blind eye and collusion, and that is the reason for the...
That theme runs through many of the reports that we have had from constituents about the failure of the FCA to protect them—to ensure that regulation was implemented to protect them. There were also elements of almost turning a blind eye and collusion, and that is the reason for the...
As always, it is a real pleasure to serve under your chairmanship, Sir Roger. I give special thanks to the right hon. Member for Hayes and Harlington (John McDonnell), who is a doughty champion for his constituents, and they are fortunate to have him as their MP—well done to him...
As always, it is a real pleasure to serve under your chairmanship, Sir Roger. I give special thanks to the right hon. Member for Hayes and Harlington (John McDonnell), who is a doughty champion for his constituents, and they are fortunate to have him as their MP—well done to him...
It is a pleasure to serve with you in the Chair, Sir Roger. I thank my right hon. Friend the Member for Hayes and Harlington (John McDonnell) for securing this debate on an issue that has long been overlooked. I want to take this opportunity to tell Members about James...
It is a pleasure to serve with you in the Chair, Sir Roger. I thank my right hon. Friend the Member for Hayes and Harlington (John McDonnell) for securing this debate on an issue that has long been overlooked. I want to take this opportunity to tell Members about James...
It is an honour to serve under your chairship, Sir Roger. I thank the right hon. Member for Hayes and Harlington (John McDonnell) for securing this vital debate.
I have tried to support the Evans family, my constituents, since I first became an MP, carrying on the work of my predecessor...
It is an honour to serve under your chairship, Sir Roger. I thank the right hon. Member for Hayes and Harlington (John McDonnell) for securing this vital debate.
I have tried to support the Evans family, my constituents, since I first became an MP, carrying on the work of my predecessor...
It is a pleasure to serve under your chairmanship, Sir Roger. I congratulate my right hon. Friend the Member for Hayes and Harlington (John McDonnell) on securing this very important debate and on his excellent speech to start it off.
I will illustrate the failings of the Financial Conduct Authority in...
It is a pleasure to serve under your chairmanship, Sir Roger. I congratulate my right hon. Friend the Member for Hayes and Harlington (John McDonnell) on securing this very important debate and on his excellent speech to start it off.
I will illustrate the failings of the Financial Conduct Authority in...