Statute coverage for your CX, claims, and product teams
Every UK statute, regulation, and regulator code your team can ground a customer-facing response in — grouped by sector with the workflows each unlocks.
114 grounded references · refreshed daily by an automated legal-monitoring cron. Your team gets the same index any UK consumer-rights expert would consult, exposed as a single API call.
Anti-hallucination is structural: a /v1/disputes call can only return citations from this index. Your CX agents, product copilots, and self-serve dispute portals never receive a fabricated act or section number, regardless of which model sits behind the call.
Finance & credit · 22 references
What your team can build
- Auto-triage Section 75 chargeback claims at the agent UI level
- Score disputed-transaction tickets by entitlement before assigning
- Generate FCA-CONC compliant late-fee reversal responses
- Debt-collection inbound triage (statute-barred detection)
- Credit-file correction workflows grounded in CCA 1974
Statutes the API will ground responses in
| Law / Regulation | Section / Article |
|---|---|
Chargeback (Visa/Mastercard Rules) For debit card payments, you can request a chargeback from your bank within 120 days of the transaction. This is a card scheme rule, not legislation, but banks must process valid … | — |
CONC 7 – Arrears, default and recovery (including repossessions) Debt collectors must treat customers fairly: allow reasonable time to pay, not apply excessive charges, consider affordability, not use aggressive or deceptive practices, freeze i… | CONC 7 — Arrears Default and Recovery |
CONC 7 Arrears, default and recovery (including repossessions) Debt collectors must not: contact at unreasonable times, discuss debts with third parties, add unauthorised charges, ignore disputes, or use threatening language. Consumers can re… | OFT664 now CMA |
CONC 7 Arrears, default and recovery (including repossessions) Debt collectors must not: contact you at unreasonable times, use aggressive or misleading tactics, continue to contact you once you have stated in writing you dispute the debt, or… | CONC 7.3 |
CONC 7.7 Application of interest and charges FCA-regulated consumer credit firms must not impose charges that are disproportionate. Excessive default or late payment fees may be challenged as unfair and contrary to FCA rules. | CONC 1.3 |
Consumer Credit Act 1974 You have the right to request a copy of your credit agreement from the lender. They must provide it within 12 working days. If they cannot produce it, the debt may be unenforceabl… | s.77-78 |
Consumer Credit Act 1974 You may request a copy of your credit agreement at any time for a £1 fee. If the creditor cannot supply a true copy within 12 working days, they cannot enforce the agreement durin… | s.77-79 |
Consumer Credit Act 1974 Before taking enforcement action, the creditor must serve a valid default notice giving you at least 14 days to remedy the breach. Without a proper default notice, enforcement is … | s.87-88 |
Consumer Credit Act 1974 If you paid by credit card for goods or services costing between £100 and £30,000, the credit card company is jointly liable with the seller. You can claim from either. | s.75 |
Consumer Credit Act 1974 If you paid for goods or services costing between £100 and £30,000 by credit card and the supplier breaches the contract or misrepresents, the credit card provider is equally liab… | s.75 |
Consumer Credit Act 1974 Courts can reopen credit agreements if the relationship between creditor and debtor is unfair. This covers excessive interest rates, hidden charges, or aggressive lending. | s.140A-C |
DISP 1 Treating complainants fairly Financial firms must resolve complaints within 8 weeks. If unresolved, you can escalate to the Financial Ombudsman Service for free. The Ombudsman can award up to £430,000. | — |
FCA Consumer Credit sourcebook (CONC) FCA conduct rules governing creditor and debt-collector behaviour for arrears, default, repossessions, forbearance and unfair business practices in regulated consumer credit. Repl… | CONC 7 — Arrears, default and recovery (including repossessions) |
FCA Consumer Duty Financial firms must act to deliver good outcomes for customers. They must provide fair value, helpful communications, suitable products, and proper customer support. | — |
FCA Consumer Duty – Principle 12 and PRIN 2A of the FCA Handbook Financial services firms must act to deliver good outcomes for retail customers, including fair value, clear communications, and products/services that meet needs. Where a firm ca… | PS22/9 (effective 31 July 2023) |
Financial Services and Markets Act 2000 After 8 weeks without resolution (or after a deadlock letter), you have the right to escalate to the Financial Ombudsman Service. The FOS can award up to £430,000 and its decision… | s.225-234 (FOS Jurisdiction) |
ICOBS 8.1 Insurers: general Insurers must handle claims promptly and fairly. They must not unreasonably reject claims or apply exclusions that were not clearly communicated. Delays beyond 8 weeks can be esca… | ICOBS 8.1 |
Limitation Act 1980 Debts become statute-barred after 6 years from last payment or written acknowledgment. Debt still exists but cannot be legally enforced. Does not apply to mortgage debt 12 years o… | Section 5 |
MCOB 13 Payment difficulties and repossessions: regulated mortgage contracts and home purchase plans Lenders must treat mortgage customers in arrears fairly, consider alternative repayment arrangements before initiating possession proceedings, and not add excessive fees during ar… | MCOB 13.3 |
PRIN 2.1 The Principles All FCA-authorised firms must pay due regard to the interests of customers and treat them fairly. This applies to billing, claims handling, pricing, and complaint responses. | PRIN 6 |
The Payment Services Regulations 2017 Protects you when making payments. Your bank must refund unauthorised payments immediately (unless fraud suspected). Covers direct debits, card payments, and bank transfers. | — |
The Payment Services Regulations 2017 If a payment was made without your authorisation (e.g. a fraudulent card charge), you are entitled to an immediate refund from your payment services provider unless they can prove… | Reg 76 |
Energy · 17 references
What your team can build
- Back-billing eligibility scoring inside CX agent UI
- Ofgem price-cap breach detection in billing-anomaly pipelines
- Smart-meter failure complaint drafts ready for agent review
- Switching-block dispute resolution at first contact
- Auto-flag final-bill inaccuracies for a customer service review queue
Statutes the API will ground responses in
| Law / Regulation | Section / Article |
|---|---|
Consumer Vulnerability Strategy Energy suppliers must identify and support vulnerable customers. They must not disconnect vulnerable customers during winter and must offer payment plans. | — |
Electricity Act 1989 Licensed suppliers must provide accurate bills based on actual or reasonable estimated readings. Where bills have been inaccurate, you are entitled to a corrected bill and refund. | Schedule 6 / Schedule 2B |
Electricity Act 1989 Primary legislation governing electricity supply. Establishes Ofgem's powers and consumer protections for electricity customers. | — |
Electricity and Gas Supply Licence – Standard Licence Condition 21BA (Backbilling: 12‑month limit for domestic consumers) Energy suppliers cannot back-bill domestic customers for energy used more than 12 months ago, unless they can prove the customer prevented them from billing correctly. | — |
Electricity Supply Standard Licence Conditions Energy suppliers must give you at least 30 days written notice before increasing your prices. If they fail to do this, the price increase may not be valid. | SLC 23 |
Energy Act 2023 Ofgem sets a price cap limiting the maximum unit rate and standing charge for standard variable tariff customers. Suppliers may not charge above the capped rates for default tarif… | Part 9 |
Gas Act 1986 Primary legislation governing gas supply in the UK. Establishes the regulatory framework and consumer protections for gas customers. | — |
Licence guide: Standards of Conduct Energy suppliers must treat customers fairly at all times, including during billing disputes. They must provide clear, accurate information and respond to complaints promptly. | Standard Licence Condition 0 |
Licence guide: Standards of Conduct Energy suppliers must treat you fairly, provide clear information, and not engage in misleading or aggressive practices. These are enforceable conditions of their licence. | — |
Smart Meters Act 2018 You have the right to request a smart meter installation. Suppliers cannot force you to accept one. Smart meters must be interoperable so you can switch suppliers while keeping sm… | Part 1 |
Standard Licence Condition 27 of the standard gas and electricity supply licences, as amended to incorporate the Code of Practice on involuntary prepayment meters Suppliers must not disconnect a domestic customer in payment difficulty without first offering a repayment plan. Prepayment meter installation requires a payment plan first. | Standard Licence Condition 27 |
Standard Licence Condition 27: Payments, Security Deposits, Disconnections, Direct Debits, and Prepayment Meters Energy suppliers must have a complaints procedure. If your complaint is unresolved after 8 weeks (or they send a deadlock letter), you can escalate to the Energy Ombudsman for fre… | SLC 27 |
Switch energy supplier Your energy switch must complete within 5 working days. If the switch goes wrong, your new supplier must resolve it. You should never be left without supply. | — |
The Electricity and Gas (Standards of Performance) (Suppliers) Regulations 2015 Suppliers must pay guaranteed standards compensation: e.g. £30 for failure to issue a correct bill within 5 working days of request; £30 for failure to provide final bill within 6… | Standard Licence Condition 46 |
The Electricity and Gas (Standards of Performance) (Suppliers) Regulations 2015, as amended by the Electricity and Gas (Standards of Performance) (Suppliers) (Amendment) Regulations 2024 and the Electricity and Gas (Standards of Performance) (Suppliers) (Amendment) (No. 2) Regulations 2024 Energy switches must complete within 5 working days of the switching date. Suppliers must return any credit balance within 10 working days after final bill. | Standard Licence Condition 14 |
The Warm Home Discount (England and Wales) Regulations 2026 Eligible customers (those in receipt of certain benefits or with a low income and high energy costs) are entitled to a £150 rebate on their electricity bill under the Warm Home Di… | Reg 4 |
What to do if you get a back bill Energy suppliers cannot bill you for gas or electricity used more than 12 months ago if the underbilling was not your fault. Any charges older than 12 months must be written off. | Licence Condition 21A |
Broadband, mobile & TV · 9 references
What your team can build
- Real-time speed-vs-contract checks against Ofcom minimum-speed code
- Mid-contract CPI price rise dispute detection
- Penalty-free-exit eligibility scoring on cancellation flows
- Auto-generate service-credit calculations grounded in GC C1
- Cancellation-dispute response copy for retention agents
Statutes the API will ground responses in
| Law / Regulation | Section / Article |
|---|---|
Automatic compensation: What you need to know Major broadband and landline providers (BT, EE, Sky, TalkTalk, Virgin Media, Vodafone, Plusnet, Hyperoptic, Onestream and others in the scheme) MUST automatically compensate custo… | GC C3.13 |
Communications Act 2003 Primary legislation for telecoms regulation. Gives Ofcom powers to set conditions on broadband and mobile providers to protect consumers. | — |
Digital Markets, Competition and Consumers Act 2024 Strengthens consumer contract protections including unfair terms enforcement, subscription trap rules, and enhanced remedies for misleading commercial practices. | Part 3 |
Digital Markets, Competition and Consumers Act 2024 Providers must not mislead consumers by omitting material information — including charges not prominently disclosed at point of sale. Hidden fees may constitute a misleading omiss… | Reg 5 |
General Conditions of Entitlement Telecoms providers must: give clear contract information, allow switching within one working day, provide contract summary, limit contracts to 24 months max, notify price increase… | General Conditions C1-C7 |
Making a complaint and using alternative dispute resolution (ADR) schemes After 8 weeks without resolution, or after a deadlock letter, you have the right to take your complaint to an Ofcom-approved ADR scheme (CISAS or Ombudsman Services: Communication… | GC C8.4 |
One Touch Switch (OTS) – Switching broadband and landline provider Since April 2023, broadband customers can switch with single contact to new provider. Old provider cannot block or delay. Early termination charges must be proportionate. | General Condition C7 |
Switching mobile, broadband or landline Mobile customers can switch with a 30-day PAC code. Broadband customers can switch using a one-touch switching process. Early termination charges must be fairly disclosed at sign-… | GC C8 |
The Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 14-day right to cancel a broadband or mobile contract sold at a distance (online or by phone) without penalty. The right begins the day after contract formation. | Reg 29 |
Air travel · 7 references
What your team can build
- UK261 cancellation/delay compensation eligibility at the agent UI
- Long-delay scoring with extraordinary-circumstances test
- Denied-boarding entitlement narrative for claims assessors
- Lost-baggage Montreal-Convention liability calculation
- Package-travel-regs route handling in OTA self-serve
Statutes the API will ground responses in
| Law / Regulation | Section / Article |
|---|---|
Consumer Credit Act 1974 Credit card purchases £100-£30,000 give card issuer joint liability. If hotel, airline or tour operator fails, claim from credit card company. Applies even if only deposit on cred… | Consumer Credit Act 1974 Section 75 |
Regulation (EC) No 261/2004 of the European Parliament and of the Council of 11 February 2004 establishing common rules on compensation and assistance to passengers in the event of denied boarding and of cancellation or long delay of flights, and repealing Regulation (EEC) No 295/91 (Text with EEA relevance) Passengers entitled to £220-£520 for flights delayed 3+ hours, cancelled with less than 14 days notice, or denied boarding. Applies from UK any airline or to UK on UK/EU airlines.… | Regulation EC 261/2004 retained UK law |
Regulation (EC) No 261/2004 of the European Parliament and of the Council of 11 February 2004 establishing common rules on compensation and assistance to passengers in the event of denied boarding and of cancellation or long delay of flights, and repealing Regulation (EEC) No 295/91 (Text with EEA relevance) If your flight is delayed 3+ hours, cancelled, or you are denied boarding, you may be entitled to compensation: £220 (short-haul under 1,500km), £350 (medium-haul 1,500-3,500km), … | — |
Regulation (EC) No 261/2004 of the European Parliament and of the Council of 11 February 2004 establishing common rules on compensation and assistance to passengers in the event of denied boarding and of cancellation or long delay of flights, and repealing Regulation (EEC) No 295/91 (Text with EEA relevance) If you are involuntarily denied boarding due to overbooking, the airline must offer you the choice of a refund or rerouting PLUS compensation of £220-£520 depending on distance. | Art 4 |
The Air Passenger Rights and Air Travel Organisers' Licensing (Amendment) (EU Exit) Regulations 2019 For UK and EU departing flights, you are entitled to up to £520 compensation for delays of 3+ hours, cancellations with less than 14 days notice, and denied boarding — provided th… | Regulation 261 (UK retained) |
The Package Travel and Linked Travel Arrangements Regulations 2018 Package providers must provide ATOL/ABTA protection, allow cancellation with proportionate fees, offer alternatives or full refund for significant changes, be liable for all servi… | Package Travel and Linked Travel Arrangements Regulations 2018 |
The Package Travel and Linked Travel Arrangements Regulations 2018 If you booked a package holiday, the organiser is responsible for everything included. If any part goes wrong, you can claim from the tour operator. Covers flights, hotels, transf… | — |
Rail · 10 references
What your team can build
- Delay Repay eligibility automation in passenger apps
- Strike-related refund triage with NRCoT grounding
- Cancelled-service refund response copy for first-line agents
- Season-ticket dispute resolution against TOC conditions of carriage
Statutes the API will ground responses in
| Law / Regulation | Section / Article |
|---|---|
Consumer Rights Act 2015 Train services must be provided with reasonable care and skill. Where a service fails to meet this standard (e.g. persistent cancellations, systemic delays), you have rights under… | Section 49 |
Delay Repay Scheme (National Rail) The Delay Repay scheme provides compensation for delays from 15 or 30 minutes depending on the operator. South Western Railway (Winchester–London Waterloo) operates Delay Repay 15… | Passenger Charter |
National Rail Conditions of Travel valid from 30 July 2026 If your train is delayed or cancelled and you decide not to travel, your unused ticket can be refunded in full by the original retailer, with no cancellation fee — even for Advanc… | Condition 29 |
National Rail Conditions of Travel valid from 30 July 2026 (Condition 30 is now within the current NRCoT; the previous edition valid from 1 April 2026 to 29 July 2026 has been superseded) If your train is cancelled and you choose not to travel, you are entitled to a full refund of your ticket with no admin fee. This applies regardless of ticket type including advan… | Condition 30 |
Railways Act 1993 Primary legislation governing the UK railway system. Establishes the franchise system, Network Rail's obligations, and the regulatory framework under which passenger rights operat… | Section 71 |
Railways Act 2005 Primary statute restructuring UK rail regulation, establishing the Office of Rail and Road (ORR). | — |
Regulation (EC) No 1371/2007 of the European Parliament and of the Council of 23 October 2007 on rail passengers’ rights and obligations If your train arrives 60+ minutes late at your destination, you are entitled to compensation: 25% of the ticket price for 60-119 minutes delay, 50% for 120+ minutes. This applies … | Article 17 |
Regulation (EC) No 1371/2007 of the European Parliament and of the Council of 23 October 2007 on rail passengers’ rights and obligations Retained EU Regulation establishing UK rail passengers' rights, including Article 17 minimum compensation thresholds (25% for 60-119 minute delays, 50% for 120+ minute delays) and… | Article 17 — Compensation of the ticket price |
The Rail Ombudsman If your complaint to the train operator is unresolved after 40 working days, or you receive a final response you disagree with, you can escalate free of charge to the Rail Ombudsm… | Alternative Dispute Resolution |
The Railway Byelaws Amendment Order 2025 National railway byelaws governing passenger conduct, fare evasion, ticketing offences and operator-issued penalty fares. | Made under Transport Act 2000 s.219 |
Insurance · 5 references
What your team can build
- Wrongful claim-decline detection in FOS-bound complaint pipelines
- Underwriting-error response generation at point of complaint
- Renewal price-walking compliance checks against FCA general insurance pricing rules
- Treating-Customers-Fairly breach scoring for compliance dashboards
Statutes the API will ground responses in
| Law / Regulation | Section / Article |
|---|---|
Consumer Insurance (Disclosure and Representations) Act 2012 You only need to take reasonable care to answer questions honestly. If you made a careless mistake on your application, the insurer cannot void the entire policy — they must apply… | — |
Financial Ombudsman Service Financial Ombudsman can order insurers to pay up to £415,000 compensation. Free to consumers. Must complain to insurer first and allow 8 weeks before escalating. | Financial Services and Markets Act 2000 Part XVI |
ICOBS 8 — Claims handling FCA rules requiring insurers to handle claims promptly and fairly, not unreasonably reject claims, and provide clear explanations for decisions. Escalate to Financial Ombudsman af… | ICOBS 8 |
Insurance Act 2015 You must make a fair presentation of the risk when applying. But the insurer cannot reject a claim for innocent non-disclosure — they can only refuse claims for deliberate or reck… | — |
Insurance Act 2015 Modernised insurance contract law. Requires consumers to take reasonable care not to misrepresent. Insurers must show qualifying misrepresentation before rejecting claims. Proport… | Insurance Act 2015 |
Council tax · 4 references
What your team can build
- Band-challenge eligibility scoring inside council CX tools
- Discount/exemption dispute response generation
- Liability dispute resolution drafts for revenue teams
Statutes the API will ground responses in
| Law / Regulation | Section / Article |
|---|---|
Local Government Finance Act 1992 Establishes council tax. Consumers can challenge band via Valuation Office Agency. Discounts: single person 25%, empty property, student exemption, council tax reduction for low i… | LGFA 1992 |
Local Government Finance Act 1992 Governs council tax banding and liability. You can challenge your council tax band with the Valuation Office Agency if you believe your property is in the wrong band. No time limi… | — |
The Council Tax Reduction Schemes (Prescribed Requirements) (England) Regulations 2012 MISMATCH: The stored reference describes Council Tax Reduction Schemes (for low-income households on UC/Pension Credit), but the current source page covers Council Tax Discounts f… | — |
Valuation Tribunal — Council Tax Appeals Free appeal of council tax band. Grounds: band wrong vs similar properties, material reduction in value, or property adapted for disabled person. | Valuation Tribunal for England |
Parking · 6 references
What your team can build
- POPLA-grade appeal generation at point of charge
- Council PCN appeal triage by ground of appeal
- Signage-adequacy compliance checks against BPA Code of Practice
Statutes the API will ground responses in
| Law / Regulation | Section / Article |
|---|---|
Highways Act 1980 Primary statute governing public highways in England and Wales, relevant to parking on the public highway, signage and obstruction offences. | — |
ParkingEye Ltd v Beavis [2015] UKSC 67 Supreme Court ruled parking charges must be proportionate and not excessive. A charge that greatly exceeds the parking company's actual loss may be unenforceable as a penalty. | — |
Private parking sector single Code of Practice British Parking Association members must follow their code: signage must be clear and visible, charges must be reasonable, and there must be a proper appeals process through POPLA. | — |
Protection of Freedoms Act 2012 Private parking companies can only pursue the registered keeper of the vehicle if they follow the correct procedure under this Act. Charges must be proportionate. You can appeal t… | Schedule 4 |
Road Traffic Regulation Act 1984 Statute governing Traffic Regulation Orders, signage requirements, and parking restrictions on public roads. | — |
Traffic Management Act 2004 Statutory framework for civil parking enforcement (CPE) by local authorities in England, including Penalty Charge Notices (PCNs), the appeal process, and the keeper-liability sche… | Part 6 — Civil enforcement of road traffic contraventions |
HMRC · 1 references
What your team can build
- Tax-rebate claim eligibility for HR/payroll platforms
- PAYE-correction response copy for employer support teams
- Penalty-appeal grounds detection
Statutes the API will ground responses in
| Law / Regulation | Section / Article |
|---|---|
Claim tax relief for your job expenses: Overview You can claim tax relief for work-related expenses including: working from home, uniforms and work clothing, tools, vehicles used for work, professional fees and subscriptions, an… | — |
DVLA · 6 references
What your team can build
- Late-licensing penalty appeal generation
- Vehicle keeper record correction workflows
Statutes the API will ground responses in
| Law / Regulation | Section / Article |
|---|---|
Road Traffic Act 1988 Primary statute defining UK driving offences, licensing requirements, fitness-to-drive rules, insurance obligations, and the DVLA's powers in respect of drivers. | — |
Road Traffic Act 1991 Amends the Road Traffic Act 1988 and decriminalises parking enforcement in designated areas. | — |
The Road Vehicles (Construction and Use) Regulations 1986 Statutory instrument setting the technical and safety standards a vehicle must meet to be legally driven on UK roads. | — |
The Traffic Signs Regulations and General Directions 2016 Statutory specifications for traffic signs and road markings, used to challenge PCNs based on inadequate signage. | — |
Vehicle Excise and Registration Act 1994 Governs vehicle tax (road tax) and registration. If you have been incorrectly charged or your vehicle was SORN, you can claim a refund for full unused months. | — |
Vehicle Excise and Registration Act 1994 Primary statute governing Vehicle Excise Duty (VED), vehicle registration, and DVLA enforcement of unlicensed-vehicle penalties. | — |
NHS · 2 references
What your team can build
- Formal-complaint escalation drafts grounded in NHS complaint procedure
- Continuing-healthcare review eligibility scoring
Statutes the API will ground responses in
| Law / Regulation | Section / Article |
|---|---|
NHS Patient Advice and Liaison Service (PALS) Every NHS trust has a PALS team to help resolve concerns informally before a formal complaint. They can explain the complaints process and help you navigate the system. | — |
The Local Authority Social Services and National Health Service Complaints (England) Regulations 2009 The NHS must acknowledge your complaint within 3 working days and investigate properly. If unsatisfied, you can escalate to the Parliamentary and Health Service Ombudsman (PHSO). | — |
Gym memberships · 2 references
What your team can build
- Cancellation-dispute resolution under the unfair contract terms regime
- Post-cancellation-fee dispute drafts for member support teams
Statutes the API will ground responses in
| Law / Regulation | Section / Article |
|---|---|
Consumer Rights Act 2015 Gym contract terms must be fair and transparent. Terms creating significant imbalance to consumer detriment are unfair and unenforceable. Includes excessive cancellation fees, aut… | Part 2 — Unfair Terms |
Unfair contract terms CMA guidance that gym contracts should allow cancellation within reasonable period, fees must be proportionate, consumers should not be locked into unfairly long minimum terms. | OFT Guidelines on Health and Fitness Club Agreements |
Debt & enforcement · 2 references
What your team can build
- Statute-barred detection in Limitation Act 1980 grounded responses
- Bailiff conduct complaint generation for debt-advice platforms
Statutes the API will ground responses in
| Law / Regulation | Section / Article |
|---|---|
CONC 7 – Arrears, default and recovery (including repossessions) Debt collectors must treat you fairly: no harassment, no misleading claims about consequences, no contacting you at unreasonable times. They must accept reasonable payment proposa… | — |
Debt Respite Scheme (Breathing Space) guidance If you are in problem debt, you can apply for Breathing Space through a debt adviser. This gives you 60 days where creditors cannot chase you, charge interest, or take enforcement… | — |
Cross-sector consumer rights · 21 references
What your team can build
- Faulty / not-as-described handling for D2C retail CX (CRA 2015)
- Distance-selling cancellation flows (Consumer Contracts Regulations 2013)
- Unfair contract terms detection in product compliance reviews
- Misrepresentation response automation at marketplace scale
Statutes the API will ground responses in
| Law / Regulation | Section / Article |
|---|---|
Consumer Rights Act 2015 Goods must be of satisfactory quality — fit for purpose, free from defects, durable, and safe. If not, you have the right to reject, repair, or refund. | s.9 |
Consumer Rights Act 2015 Goods must match their description. If what you received is different from what was advertised or described, you can reject and get a full refund. | s.11 |
Consumer Rights Act 2015 Any term in a consumer contract that creates a significant imbalance in the parties rights and obligations is unfair and not binding on the consumer. This applies to penalty claus… | Part 2, s.62 |
Consumer Rights Act 2015 Digital content must be of satisfactory quality, fit for purpose, and as described. Consumers have right to repair, replacement, or price reduction. Applies to paid and free conte… | Part 1 Chapter 3 |
Consumer Rights Act 2015 You have 30 days to reject faulty goods for a full refund. After 30 days, the trader gets one chance to repair or replace. If that fails, you can claim a refund or price reduction. | s.19-24 |
Consumer Rights Act 2015 If a service is substandard, you have the right to a price reduction or repeat performance. If a repeat is impossible, you can claim a refund. | s.54-56 |
Consumer Rights Act 2015 Implies a term that services will be carried out with reasonable care and skill. Still applies alongside the Consumer Rights Act for certain contracts. | s.13 |
Consumer Rights Act 2015 Goods must be fit for the particular purpose you made known to the seller. If a product fails to do what you specifically asked about, you have a claim. | s.10 |
Consumer Rights Act 2015 Services must match any information given before the contract. If the trader told you something that turns out to be false, you have a claim. | s.50 |
Consumer Rights Act 2015 Services must be performed with reasonable care and skill. If a service is substandard, you are entitled to a repeat performance or price reduction. | s.49 |
Consumer Rights Act 2015 Unfair contract terms are not binding on consumers. A term is unfair if it creates a significant imbalance in rights and obligations to the detriment of the consumer. | Part 2 |
Data Protection Act 2018 UK implementation of GDPR. Covers how organisations must handle your personal data, your rights to access and delete your data, and rules for automated decision-making. | — |
Digital Markets, Competition and Consumers Act 2024 Prohibits misleading actions and omissions by traders. If a business gave you false or incomplete information that influenced your decision, this regulation protects you. | Reg 5-6 |
Equality Act 2010 Service providers must not discriminate (directly, indirectly, or by failing to make reasonable adjustments) on the basis of age, disability, gender reassignment, marriage, pregna… | s.13, s.19, s.29 |
Limitation Act 1980 Debts become unenforceable after 6 years from the last payment or acknowledgement (5 years in Scotland). If a debt is older than this, the creditor cannot take court action. | s.5 |
Protection from Harassment Act 1997 Protects against harassment including aggressive debt collection. If a company or debt collector is contacting you excessively or threateningly, this act applies. | — |
Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data (United Kingdom General Data Protection Regulation) (Text with EEA relevance) Your personal data must be processed lawfully, fairly, and transparently. You have the right to have inaccurate data corrected (Art 16) and to have your data deleted (Art 17, righ… | Articles 5, 16, 17 |
Tenant Fees Act 2019 Landlords and letting agents in England can only charge tenants for: rent, refundable tenancy deposit (capped at 5 weeks rent if annual rent < £50k, 6 weeks if higher), holding de… | s.1-3, Schedule 1 |
The Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 Subscription services must clearly disclose recurring charges. Auto-renewal must be communicated. 14-day cooling-off for online subscriptions. Hidden charges and pre-ticked boxes … | Regulations 2013 Reg 29-38 |
The Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 14-day cooling-off period for contracts made online, by phone, or at your door. You can cancel for any reason and get a full refund within 14 days of receiving goods or agreeing t… | Reg 29-30 |
The Payment Services Regulations 2017 Chargeback allows you to dispute a debit card transaction within 120 days if the merchant fails to deliver. Unlike s.75, there is no minimum spend — even small amounts can be disp… | Reg 76 + Card Scheme Rules |
What you can build with this
One endpoint, every sector above. Some example integration patterns:
- CX agent assist. On every inbound complaint ticket, surface the cited statute + draft response inside the agent UI.
- Self-serve dispute portal. Customer describes the problem; you render the entitlement summary and let them download a draft letter.
- Refund triage. Score every refund request by which statute applies + estimated success — automate the easy ones, route the hard ones.
- Compliance copilot. Embed in your ops console so first-line agents always have the right citation a click away.
- Statute-grounded chatbot. Wrap your LLM in this API so it cannot cite a repealed act.