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 car 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 Banking Code is a voluntary code which sets standards of good banking practice for financial institutions to follow when
they are dealing with personal customers in the UK.
The Code is monitored by the Banking Code Standards Board whose directors include a majority of independent members as well
as representatives of financial institutions.
For further information visit the Banking Code. A copy of the banking code is available upon request.
Please call 08458 400 400* for your copy.
Contact the Banking Code Standards Board
Banking Code Standards Board
Level 12 City Tower,
40 Basinghall Street,
London EC2V 5DE
Phone: 0845 2309694
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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