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The Authorised Push Payment (APP) Scams Steering Group (which was set up by the Payment Systems Regulator (PSR) and consisted of representatives from the payments industry and consumer groups, with regulators and government also participating as observers) had published a draft contingent reimbursement model (CRM) code for APP scams and invited responses to 23 separate questions.

CEPA was commissioned to summarise the responses from banks, consumer groups and individuals into a concise written format, which identified the key issues for the Steering Group to consider. We also reviewed the submissions for any confidential or commercially sensitive information. Over 30 responses were reviewed, varying in length from a few pages to over 20. The work was completed within two weeks and we attended the next Steering Group to present our findings.