Legal and Regulators

For those who like the detail

The Capital One credit card

The Capital One credit card is issued by Capital One (Europe) plc. Capital One credit card promotes the Capital One credit card in partnership with Capital One.

Capital One credit card Registered Office: Trent House,, Station Street,, , Nottingham NG2 3HX. Registered in England and Wales, No. 3879023. VAT number 690 6861 01.

Copyright and Trademarks

© 2023 Capital One (Europe) plc, Trent House, Station Street, Nottingham, NG2 3HX. Capital One®, CreditWise from Capital One® and Capital One CreditWise® are registered trademarks of Capital One. Capital One Aspire® Elite is a World Elite™ Mastercard®. Mastercard®, World Mastercard® and World Elite™ Mastercard® are registered trademarks of Mastercard International Incorporated.

Insurance Information

Capital One Payment Protection Insurance

Capital One Payment Protection Insurance is underwritten by AXA France Vie S.A. (UK branch registration number: BR020492) with its registered address at Building 7, Chiswick Park, 566 Chiswick High Road, London, W4 5HR and AXA Insurance UK plc (a company limited by shares. Registered in England and Wales number 78950) whose registered office is at 20 Gracechurch Street, London EC3V 0BG.

AXA France Vie S.A. (Financial Conduct Authority registration number 203321) is authorised and regulated in France by the Autorité de Contrôle Prudentiel et de Résolution and deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority's website. The company is registered in England (AXA France Vie S.A. Branch - UK branch registration number: BR020492) with its registered address at Building 7, Chiswick Park, 566 Chiswick High Road, London, W4 5YG. AXA Partners - Credit & Lifestyle Protection is the trading name of the company. AXA Insurance UK plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority, registration number 202312. Regulatory status can be confirmed by visiting the FCA website.

Payment Protection Insurance and Insurance Premium Tax

Insurance Premium tax (IPT) is a tax which is levied on insurance products sold in the UK.

The Financial Services Compensation Scheme (FSCS) and Insurance

AXA Insurance UK plc and AXA France Vie are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme in the unlikely event that AXA Insurance UK plc or AXA France Vie cannot meet their obligations to you. This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available on the FSCS website opens in a new tab .

CCTV

Capital One operates CCTV cameras at its UK offices for the purposes of crime prevention and investigation, for public safety and to identify acts of negligence which cause damage to our assets. Images collected by these cameras may be used and retained, in accordance with the General Data Protection Regulations, by Capital One (Europe) plc, and our carefully selected third party service providers, for the purposes described. Images will not be used for any other purposes unless legally required or lawfully permitted under that legislation. In some cases, for the additional purpose of managing disaster recovery operations, images may be transferred and viewed by Capital One Financial Corporation, and their carefully selected third party service providers, within the US.

For more information please write to us at:
Console (CCTV enquiries)
Capital One (Europe) plc
Trent House
Station Street
Nottingham
NG2 3HX

Regulators

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 regulator asks of us, we actively go out of 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.

Financial Conduct Authority

Capital One (Europe) plc is regulated by the Financial Conduct Authority (FCA), an independent organisation responsible for regulating the conduct of various financial institutions.

The FCA's operational objectives are to secure an appropriate degree of protection for consumers, promote efficiency and choice in the market for financial services, and to protect and enhance the integrity of the UK financial system.

The FCA sets the conduct standards that financial institutions must meet and can take action against firms if they fail to meet their requirements. If you would like further information, please see the FCA's website opens in a new tab .

The FSCS can, in certain circumstances, protect consumers when a financial services firm stops trading or does not have enough assets to pay claims made against it. If you would like further information please visit the FSCS website opens in a new tab

Standards

The Standards of Lending Practice

The Standards of Lending Practice set out the benchmark for good lending practice and provide the framework for how financial services firms should serve their customers. The Standards of Lending Practice cover good practice in relation to loans, credit cards and current account overdrafts.

Compliance with the customer outcomes set down in the Standards of Lending Practice is independently monitored and enforced by the Lending Standards Board (LSB). To view a list of Registered Firms, and to see a full copy of the Standards of Lending Practice, please visit the LSB website opens in a new tab .