CIFAS Legal and Regulatory Framework
Dishonesty and Intent in Law
Last Updated: 19/08/2025The concepts of dishonesty and intent are central to fraud law in the UK. They determine whether conduct is fraudulent — and by extension, whether a CIFAS marker is justified. Although CIFAS markers are not criminal convictions, they are based on fraud-related conduct. This means that markers should only be applied where there is evidence ... <a title="Dishonesty and Intent in Law" class="read-more" href="https://cifasmarker.org.uk/cifas/dishonesty-and-intent/" aria-label="More on Dishonesty and Intent in Law">Read more</a>
The Financial Ombudsman and CIFAS Markers
Last Updated: 19/08/2025The Financial Ombudsman Service (FOS) is the UK’s independent body for resolving disputes between consumers and financial businesses. If you believe a CIFAS marker has been applied unfairly or without evidence, and the bank refuses to remove it, the Ombudsman can review your case. The Ombudsman’s Role in CIFAS The Ombudsman was created under the ... <a title="The Financial Ombudsman and CIFAS Markers" class="read-more" href="https://cifasmarker.org.uk/cifas/financial-ombudsman-and-cifas/" aria-label="More on The Financial Ombudsman and CIFAS Markers">Read more</a>
FCA and CIFAS – Regulatory Oversight
Last Updated: 19/08/2025The Financial Conduct Authority (FCA) is the UK regulator for banks, lenders, and many other financial services firms. CIFAS, meanwhile, is the UK’s leading fraud prevention service, managing the National Fraud Database (NFD). To ensure that fraud prevention is balanced with fairness to consumers, the FCA and CIFAS signed a Memorandum of Understanding (MoU). This ... <a title="FCA and CIFAS – Regulatory Oversight" class="read-more" href="https://cifasmarker.org.uk/cifas/fca-and-cifas/" aria-label="More on FCA and CIFAS – Regulatory Oversight">Read more</a>
Data Protection and GDPR Accuracy and DSAR Rights
Last Updated: 19/08/2025The UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018 govern how personal data is processed in the United Kingdom. Because a CIFAS marker is a form of personal data, these laws apply directly to how it is recorded, stored, and shared in the National Fraud Database (NFD). This means that ... <a title="Data Protection and GDPR Accuracy and DSAR Rights" class="read-more" href="https://cifasmarker.org.uk/cifas/data-protection/" aria-label="More on Data Protection and GDPR Accuracy and DSAR Rights">Read more</a>
The Modern Slavery Act 2015 – Defences for Coercion
Last Updated: 19/08/2025The Modern Slavery Act 2015 was introduced to combat slavery, servitude, forced labour, and human trafficking. It recognises that vulnerable people are often coerced or exploited into criminal activity, including financial crime. Although a CIFAS marker is not a criminal conviction, the Act is highly relevant to many cases especially where individuals are pressured or ... <a title="The Modern Slavery Act 2015 – Defences for Coercion" class="read-more" href="https://cifasmarker.org.uk/cifas/modern-slavery-act-2015/" aria-label="More on The Modern Slavery Act 2015 – Defences for Coercion">Read more</a>
The Proceeds of Crime Act 2002 (Money Laundering Offences)
Last Updated: 19/08/2025The Proceeds of Crime Act 2002 (POCA) is one of the most important pieces of legislation in the UK relating to financial crime. It covers money laundering, recovery of criminal property, and reporting obligations for banks and other regulated businesses. Although a CIFAS marker is not the same as a money laundering conviction, many Misuse ... <a title="The Proceeds of Crime Act 2002 (Money Laundering Offences)" class="read-more" href="https://cifasmarker.org.uk/cifas/proceeds-of-crime-act-2002/" aria-label="More on The Proceeds of Crime Act 2002 (Money Laundering Offences)">Read more</a>
The Fraud Act 2006 Explained
Last Updated: 19/08/2025The Fraud Act 2006 is the key legislation that defines fraud offences in England, Wales, and Northern Ireland. It replaced older, more complex laws with a clear and flexible framework designed to tackle modern fraud. Although a CIFAS marker is not a criminal conviction, the Fraud Act 2006 provides the legal benchmark for what actually ... <a title="The Fraud Act 2006 Explained" class="read-more" href="https://cifasmarker.org.uk/cifas/fraud-act-2006/" aria-label="More on The Fraud Act 2006 Explained">Read more</a>