Tony Herbert

Which? views on FOS' Plans and Budget for 2025-26

Which?'s response to HM Treasury's proposals on how to regulate Buy-Now Pay Later credit

Which?'s submission to the FCA's Call for Input on its Review of FCA requirements following the introduction of the Consumer Duty which considers whether the FCA can simplify requirements through greater reliance on high-level rules, while ensuring it continues to support and protect consumers

Which?'s submission to the  FCA and PSR Call for Input which considers the role of digital wallets in the payments landscape

Which?'s response to the PSR's proposals for a compliance and monitoring regime for the new system of APP scam reimbursement

Which?'s response to the PSR's and Bank of England's consultation on developing a mandatory reimbursement regime for Clearing House Automated Payment System (CHAPS) payments

Which? response to JROC proposals for the future governance of UK open banking

Which?'s response to the PSR's consultation on Specific Direction 12 which requires LINK to maintain a broad geographic spread of the UK’s free-to-use cash machine network

Which?'s response to HMT proposals to slow down payments when fraud is suspected

Which?'s response to the FCA consultation on Access to Cash. We supported the FCA's approach to securing free access to cash but argued that it should seek to ensure consumers also receive good outcomes in relation to access to banking services

Which?'s response to the PSR's proposals for a claims excess and maximum reimbursement level on APP scam claims.

Which? submission to the Future of Payments Review

Which?'s response to the Bank of England and HM Treasury's consultation on proposals for a digital pound

Which? response to PSR's Call for views: First review of Specific Direction 12 (LINK). We argue that the Specific Direction continues to serve an important purpose in maintaining free access to cash and should therefore be retained

Understanding why consumers fall for APP scams