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Consumers' new rights to redress qualified by 'average consumer' test

Businesses' liability for damages for misleading or aggressive practices towards consumers will depend on whether the practices would have affected the 'average consumer', the government has said. 18 Aug 2014

Change in consumer law gives universities student accommodation leeway

Universities will no longer have to allow students to cancel accommodation places at short notice without penalty. A change to consumer protection laws makes it clear that certain regulations do not apply to residential lettings.  18 Aug 2014

Out-Law Guides

FCA restricts retail sale of complex securities in first use of its consumer protection powers

Firms will be prevented from selling complex contingent convertible securities (CoCos) to ordinary retail investors from October, the Financial Conduct Authority (FCA) has announced, in the first use of its temporary product intervention powers. 07 Aug 2014

FCA confirms insurance add-on products are often poor value for consumers

Selling insurance policies as an "add-on" to purchasers of other financial services or products such as cars and mobile phones often lead to consumers purchasing poor value, unnecessary products, the financial services watchdog has confirmed. 29 Jul 2014

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