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<p>The independent financial services regulator - the Financial Conduct Authority
(FCA) – is responsible for the regulations in place to protect customers in their
dealings with financial services firms. It requires firms to treat their customers
fairly and has broad and robust powers to enforce breaches of its rules.</p><p> </p><p>If
consumers have a complaint about a regulated financial service, they may be able to
take their complaint to the Financial Ombudsman Service (FOS). The FOS was established
to provide for the proportionate, prompt and informal resolution of cases and is designed
to be an alternative to resolution of cases through the courts.</p>
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