Regulation 75 of the United Kingdom Payment Services Regulations 2017 states that a payer is protected when a payment was made because the payer was deceived or induced into making it, regardless of whether the payment was authorized.
NOT BSTOTAL BS
TOTAL BS — Verdict: False
Verified by Lenz ·
The Short Version
The claim is not supported by the statute or by authoritative interpretation. Regulation 75 does not say a payer is protected whenever deception or inducement led to a payment; it addresses proof of authentication and execution in disputes about unauthorised or incorrectly executed transactions. Payments induced by fraud are generally still treated as authorised under the PSRs, which is why separate APP scam reimbursement rules were later introduced.
Caveats
The claim appears to confuse Regulation 75 of the Payment Services Regulations with Section 75 of the Consumer Credit Act, which is a different consumer protection regime.
Under Regulation 67, a payment may still be legally 'authorised' even if the payer was deceived into making it.
Current protection for APP scam victims comes mainly from separate reimbursement rules and other legal routes, not from Regulation 75 itself.