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Financial Products and Services

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All publications are available to download as PDFs, if you require any publications in a special format please contact marketing@oft.gsi.gov.uk

Leaflet reference Publication title and description
oft1498 UK Payment systems (July 2013)
How regulation of UK payment systems could enhance competition and innovation
OFT1498 Payment systems report (pdf 431 kb)
oft1005rev Review of personal current accounts in the UK (January 2013)
A review of the personal current account market in the UK, published as part of the OFT's ongoing programme of work on retail banking
Annex A Technical Report (pdf 353 kb) Annex B Questionnaire (pdf 698 kb) Annex C weighted data tables (pdf 24.1 mb) OFT1005eval PCA Evaluation report (pdf 902 kb) OFT1005rev PCA Review (pdf 1.89 mb)
oft1349resp Payment surcharges - Response to the Which? super-complaint (updated July 2012)
Response to the Which? super-complaint
Response to Which? Supercomplaint (pdf 743 kb)
oft 1106 Financial services plan (July 2009)

Financial Services Plan (pdf 5.08 mb)
oft 1071 Review of the operations of the Payments Council (March 2009)
A follow-up to the work of the Payment Systems Task Force
Review of the operations of the Payments Council (pdf 268 kb)
oft 1068 Northern Rock: The effect of public support on competition (March 2009)
An OFT report
Northern Rock: The effect of public support on competition (pdf 243 kb)
oft 1005 Personal current acounts in the UK (July 2008)
An OFT market study
Personal current accounts in the UK  (pdf 1.22 mb) Personal current accounts in the UK - executive summary (pdf 145 kb) Annexe A - The legal and regulatory framework behind personal current accounts (pdf 187 kb) Annexe B - Summary report of review of published information banks provide for consumers and selected price comparison sites (pdf 100 kb) Annexe C - Free-if-in-credit personal current accounts (pdf 249 kb) Annexe D - Current account research (pdf 588 kb) Annexe E - The psychology of personal current accounts (pdf 162 kb) Annexe F - Financial inclusion (pdf 87 kb)
oft 978 Credit card comparisons (February 2008)
A report by the OFT
Credit card comparisons (February 2008) (pdf 214 kb)
oft 937 SME banking review (August 2007)
Review of the undertakings given by banks following the 2002 Competition Commission report
SME banking - advice to the Competition Commission (pdf 599 kb) Annexe B - survey of SME banking (pdf 681 kb)
oft 903 OFT response to Banking Codes Review 2007 (February 2007)
OFT response to Banking Codes Review 2007
OFT response to Banking Codes Review 2007 (pdf 458 kb)
oft 901 Final report of the Payment Systems Task Force (February 2007)
Final report of the Payment Systems Task Force
Final report of the Payment Systems Task Force  (pdf 225 kb)
oft 899 Payment protection insurance (February 2007)
The OFT's reasons for making a reference to the Competition Commission
Payment protection insurance - The OFT's reasons for making a market investigation reference to CC (pdf 256 kb)
oft 868 Cheques Working Group Report (November 2006)
Cheques Working Group Report for November 2006
Cheques Working Group Report (pdf 1.41 mb)
oft 849 Second annual progress report of the Payment Systems Task Force (May 2006)
This is the second progress report of the Payment Systems Task Force, set up following the Chancellor's pre-Budget report of November 2003 to consider the issues identified in the Cruickshank report of 2000 and to try to secure agreement to putting in place the conditions necessary for an innovative, user-facing industry
Second annual progress report of the Payment Systems Task Force (pdf 197 kb)
oft 842 Calculating fair default charges in credit card contracts (April 2006)
A statement of the OFT's position
Calculating fair default charges in credit card contracts (pdf 203 kb) Consumer summary credit card default charges (pdf 67 kb)
oft 840 LINK Access and Governance Working Group report (April 2006)
This report considers access and governance issues related to LINK, including an evaluation of the benefits and weaknesses of the current arrangements
LINK Access and Governance Working group report (pdf 979 kb)
oft 836 BACS Access and Governance Working Group report (March 2006)
A report prepared for the Payment Systems Task Force by the Office of Fair Trading
BACS access and governance and working group report (pdf 415 kb)
oft 802 The UK liability insurance market (June 2005)
A follow-up to the OFT's 2003 market study
The UK liability insurance market - A follow-up to the OFT's 2003 market study (pdf 397 kb) The UK liability insurance market - summary of business survey (pdf 696 kb)
oft 795 An economic analysis of the potential benefits and dis-benefits of faster payments clearing (May 2005)
Discusses the potential economic impacts of faster clearing cycles for automated payments in the UK
An economic analysis of the potential benefits and dis-benefits of faster payments clearing (pdf 684 kb)
oft 789a Payment Systems Task Force annual report (May 2005)
First annual progress report of the Payment Systems Task Force
First annual progress report of the Payment Systems Task Force (pdf 325 kb) BPSL inn working group report - no appendices (pdf 477 kb) BPSL Innovation Working Group report - Appendices (pdf 1.67 mb)
oft 774 Competition scrutiny of the de-polarisation regulations (February 2005)
OFT's review of the FSA's de-polarisation regulations, carried out under the Financial Services and Markets Act
Competition scrutiny of the de-polarisation regulations (pdf 115 kb)
oft 714 Review of the impact of the Financial Services and Markets Act 2000 on competition (April 2004)
As part of a review by the Government of the Financial Services and Markets Act 2000, the OFT is to assess the impact of the FSMA on competition. Stage 1: Sifting Methodology
Review of the impact of the Financial Services and Markets Act 2000 on competition (pdf 383 kb)
oft 741 Auditors' liability (July 2004)
This report contains the OFT's advice to Government on the implications for competition in the audit market of proposals to permit auditors to limit their liability by way of negotiated caps...
An assessment of the implications for competition of a cap on auditors' liability (pdf 342 kb)
oft 713 London Stock Exchange issuer fees (July 2004)
A report of the investigation of the LSE's issuer fees published under section 304(3) of the Financial Services and Markets Act 2000.
London Stock Exchange issuer fees (pdf 340 kb)
oft 709 Credit card survey (March 2004)
Results from the OFT's commissioned research about the credit card market amongst a general sample of the population
Credit card survey (pdf 370 kb) Credit card survey - Annexes (pdf 603 kb)
oft 706 Store cards (March 2004)
This report presents the findings of the OFT's fact-finding inquiry into the provision of store cards in the UK, and explains why the OFT Board has decided to refer the matter to the Competition Commission
Store cards report (pdf 617 kb)
oft 705 Debt consolidation (March 2004)
A report on an OFT study
Debt consolidation (pdf 312 kb)
oft 699 Office of Fair Trading response to Banking Code Review, 2004 (February 2004)
OFT recommends changes to banking Codes
Banking Code Review (pdf 58 kb) OFT response to Banking Code Review 2004 (pdf 133 kb)
oft 659 The UK liability insurance market (June 2003)
This fact-finding study was undertaken against the background of concerns about increases in premiums for liability insurance
The UK liability insurance market (pdf 287 kb) An analysis of current problems in the UK liability insurance market (pdf 787 kb) Liability insurance - A report on the OFT fact finding study (pdf 456 kb)
oft 620 Banking services to small and medium sized enterprises (October 2003)
Summarises the undertakings that have been negotiated with a number of clearing banks following recommendations in the Competition Commission's report on banking services to small and medium sized ...
Banking services to small and medium sized enterprises (SMEs) (pdf 194 kb) Banking services to small and medium sized enterprises (SMEs) - undertakings (pdf 161 kb)
oft 658 UK payment systems (May 2003)
An OFT market study of clearing systems and review of plastic card networks
UK payment systems (pdf 641 kb)
oft 634 MasterCard interchange fees - preliminary conclusions (February 2003)
The Office of Fair Trading has reached a preliminary conclusion that an agreement between MasterCard's UK members on a common fee charged on transactions made in the UK by credit and charge cards, infringes the Competition Act 1998
Mastercard interchange fees (pdf 136 kb)
oft 281 Mortgage redemption fees (November 1999)
Modelling Redemption Fees and Incentives on UK Home Mortgages and Modelling Variable and Fixed Rate Lending
Mortgage redemption fees (pdf 189 kb)
oft 264 The rules on the polarisation of investment advice (August 1999)
A review by the Director General of Fair Trading of the operation of the polarisation rules. His purpose was to establish whether the rules have achieved the objectives for which they were designed; whether they have enhanced consumer welfare; and whether they have had any significant effect on competition in the market
The rules on the polarisation of investment advice (pdf 165 kb)
oft 263 Worked principal agreement (May 1999)
Report on the Worked Principal Agreement regime of the London Stock Exchange
Worked Principal Agreements (pdf 155 kb)
oft 255 Vulnerable consumers and financial services (January 1999)
The report of the Director General's Inquiry
Job insecurity for the vulnerable: is it increasing? (pdf 43 kb) The consumer survey (pdf 67 kb) Qualitative research into ethnic minorities and financial services (pdf 98 kb) Vulerable consumers and financial services (pdf 153 kb)
oft 230 Health insurance (May 1998)
The OFT calls for the regulation of moratorium underwritten health insurance and for improvements in self-regulation in this sector
Health insurance (pdf 92 kb) Core terms products - Volume 1: Private medical insurance (pdf 139 kb) Core terms products - Volume 2: Permanent health insurance (pdf 137 kb) Core terms products - Volume 3: Critical illness insurance (pdf 139 kb)
oft 191b Report of the Director General's inquiry into pensions (July 1997)
Portability and the Preservation of Pension Rights in the United Kingdom, and Passive Fund Management
Report of the Director General’s Inquiry into Pensions - Volume 3 Appendix E (pdf 505 kb) Report of the Director General’s Inquiry into Pensions - Volume 3 Appendix F (pdf 35 kb)
oft 191a Report of the Director General's inquiry into pensions (July 1997)
Research undertaken for the Pensions Inquiry: Consumer Survey; Structured Interview Process; The Potential for Minimising Consumer Detriment in Pensions; and International Comparisons
Report of the Director General’s Inquiry into Pensions - Consumer Survey (pdf 206 kb) Report of the Director General’s Inquiry into Pensions - UK structured interview process (pdf 22 kb) Report of the Director General’s Inquiry into Pensions - Minimising Consumer Detriment  (pdf 178 kb) Report of the Director General’s Inquiry into Pensions - International Comparisons (pdf 173 kb)
oft 191 Report of the Director General's inquiry into pensions (July 1997)
This report examines pension provision in the UK and the nature and extent of any detriment suffered by consumers
Report of the Director General’s Inquiry into Pensions (pdf 295 kb)
oft 168 Health insurance (July 1996)
Report on the OFT's investigation into the sale of health insurance products to individuals
Health insurance (pdf 215 kb)
oft 158 CrestCo Ltd (May 1996)
Application for status as a recognised clearing house and as approved operator of a settlement system


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