Rocio Concha, Which? Director of Policy and Advocacy, said: "While it's good to see steps taken to make banks put in place extra checks they should have been doing anyway, the voluntary nature of the code means that scam victims will still face a reimbursement lottery depending on who they bank with. "The government must press ahead with plans to make all banks and payment providers reimburse scam victims in the vast majority of cases and give the payments regulator responsibility for an enforcement regime with tough penalties for any firms that break the rules." ENDS