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.
76 grounded references · refreshed daily by an automated legal-monitoring cron. Your team gets the same index any UK consumer-law lawyer 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 · 20 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 … | — |
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 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 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 |
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 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 |
FCA CONC — Debt Collection 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 |
FCA Consumer Credit Sourcebook 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 |
FCA Consumer Duty 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) |
FCA Consumer Duty 2023 Financial firms must act to deliver good outcomes for customers. They must provide fair value, helpful communications, suitable products, and proper customer support. | — |
FCA DISP Rules 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 Handbook 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 |
FCA Mortgage Conduct of Business 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 |
FCA Principles for Businesses 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 |
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) |
Insurance Conduct of Business Sourcebook 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 — Statute-Barred Debt 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 |
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. | — |
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 · 6 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 |
|---|---|
Electricity Act 1989 Primary legislation governing electricity supply. Establishes Ofgem's powers and consumer protections for electricity customers. | — |
Electricity Act 1989 / Gas Act 1986 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 |
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. | — |
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 |
Warm Home Discount Scheme Regulations 2022 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 |
Broadband, mobile & TV · 4 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 |
|---|---|
Communications Act 2003 Primary legislation for telecoms regulation. Gives Ofcom powers to set conditions on broadband and mobile providers to protect consumers. | — |
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 |
Consumer Protection from Unfair Trading Regulations 2008 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 |
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 |
Air travel · 6 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 |
|---|---|
EC261 Flight Delay Compensation 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 |
Package Travel 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… | — |
Package Travel 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 |
Section 75 — Travel Claims 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 |
UK Retained EU Regulation 261/2004 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), … | — |
UK Retained EU Regulation 261/2004 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 |
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… | — |
FCA ICOBS — 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 |
Financial Ombudsman — Insurance 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 |
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 |
|---|---|
Council Tax Reduction Schemes 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… | — |
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… | — |
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 · 3 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 |
|---|---|
BPA 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. | — |
ParkingEye 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. | — |
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 |
HMRC · 2 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 |
|---|---|
HMRC Employment Expenses You can claim tax relief for work-related expenses: uniform washing (£60/year flat rate), professional subscriptions, working from home (£6/week), tools, and travel for work. | — |
Income Tax Act 2007 If you have overpaid tax (due to wrong tax code, expenses not claimed, or other errors), HMRC must refund the overpayment. You can claim up to 4 years back. | — |
DVLA · 1 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 |
|---|---|
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. | — |
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 Complaints Procedure 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). | — |
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. | — |
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 |
|---|---|
CMA Guidance on Gym Membership 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 |
Consumer Rights Act 2015 — Unfair Gym Terms 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 |
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 |
|---|---|
Debt Respite Scheme (Breathing Space) 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… | — |
FCA Consumer Credit Sourcebook (CONC) 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… | — |
Cross-sector consumer rights · 19 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 Contracts Regulations — Subscription Traps 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 |
Consumer Contracts 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 |
Consumer Protection from Unfair Trading Regulations 2008 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 |
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 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 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 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 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 |
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 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 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 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 |
CRA 2015 Digital Content Rights 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 |
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. | — |
FCA Payment Services Regulations 2017 / Visa-Mastercard Chargeback 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 |
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. | — |
Supply of Goods and Services Act 1982 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 |
UK GDPR 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 |
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.