Bookmark Consumers I want to know more about...avoiding scams and unauthorised firms authorised and genuine firmscompensation if a firm goes bustcomplaining about a firmcontacting the FCAearly pension releaseinterest rate hedging productspayment protection insurance (PPI)the FCA protecting consumersunauthorised firms to avoidunauthorised payments Home / Consumers Welcome to the Financial Conduct Authority website Consumers can find out about their rights with banking, insurance, mortgages and financial advice, and how to complain or avoid scams. How to complain Report a scam or unauthorised firm Report a misleading financial advert Report an unfair contract term Claim compensation if a firm fails Consumer organisations Money Advice Service Financial Ombudsman Service Financial Services Compensation Scheme (FSCS) Firms to avoid Almost all firms offering financial services in the UK must be authorised by us and will appear on the Financial Services Register. We also have a list of unauthorised firms to avoid – check this list now. Scams How to avoid or report a scam Avoid scams and unauthorised firms Check the Financial Services Register Report a scam or unauthorised firm Unauthorised firms and individuals Investment scams Binary options Carbon credit trading Get-rich-quick schemes Graphene investment schemes Land banking investment schemes Overseas property and crop schemes Rare earth metal investment schemes Restricted US share scams Share fraud and boiler room scams Unauthorised forex (FX) trading and brokerage firms More scams to avoid Banking and online account scams Early pension release Fake FCA emails, letters and phone calls Foreign money transfer scams Insurance and warranty schemes Loan fee fraud Money transfer scams Pension review scams Show more + Show more + Latest warnings Novostar Finance Co Ltd Published: 09/12/2016 Kleinwort Benson Private Bank Limited (clone of FCA authorised firm) Published: 07/12/2016 Ernst Hofsetter Asset Management (Clone of EEA authorised firm) Published: 07/12/2016 Reinhard Hofer International / Reinhard Hofer Venture Partners (Clone of EEA authorised firm) Published: 06/12/2016 Lawson Management Group LLC Published: 05/12/2016 Westburn Finance/Finance 2 All (clone of FCA authorised firm) Published: 05/12/2016 CM-CIC Asset Management (clone of FCA registered firm) Published: 05/12/2016 Totally Money (clone of FCA authorised firm) Published: 05/12/2016 Kojima Ventures Published: 02/12/2016 Previous Next Show all warnings Contact us Call us on 0800 111 6768 Payment protection insurance (PPI) If you were mis-sold PPI you could be paying for a policy you do not need or that does not protect you. How to claim for mis-sold PPI Find out more about PPI Monthly PPI payouts Loans, credit and debt Find out what ‘consumer credit’ is and why you should check if a firm can legally offer loans and credit business before you deal with them. Loans and credit Debt management plans Beware of loan fee fraud Know your rights Banking Changes to your bank account Deposit and savings protection Interest rate hedging products Making and receiving payments Making payments in euros within the Single Euro Payments Area Opening a bank account Packaged bank accounts Stopping a payment from your account Switching your bank account Unauthorised payments from your account Mortgages Affording a mortgage Mortgage advice Mortgage fraud Insurance Employers' liability insurance Income and payment protection Payment protection insurance (PPI) explained SMEs and insurance brokers Show more + Show more + Investments Crowdfunding Exchange traded products Penny shares Structured products Traded life policy investments Unregulated collective investment schemes Financial advice Finding an adviser Trail commission Types of investment adviser What an adviser might ask you What to ask an adviser Wealth management Pensions and retirement income Annuities Pensions and retirement income Pension transfer Pension unlocking Be a ScamSmart investor Investment scams are designed to look like genuine investments. Learn the warning signs.