A super-complaint is a complaint made in the UK by a state-approved "super-complainant" or watchdog organisation on behalf of consumers, which was fast-tracked to a higher authority such as the Office of Fair Trading (prior to its dissolution on 1 April 2014). The official body now responsible for dealing with general consumer protection super-complaints is the Competition and Markets Authority (CMA). [1]
A super-complaint, as defined in section 11(1) of the UK's Enterprise Act 2002, is a complaint submitted by a designated consumer body stating that "any feature, or combination of features, of a market in the UK for goods or services is or appears to be significantly harming the interests of consumers". [2]
Super-complaints have also specifically been introduced for the financial markets in the UK under the aegis of the Financial Conduct Authority (FCA). [3] The Financial Services and Markets Act 2000 (FSMA) provides that certain consumer bodies may complain to the FCA about features of a market for financial services in the UK that may be significantly damaging the interests of consumers. The Government first issued guidance for bodies seeking designation as super complainants and then received and ultimately approved the bodies which could make super-complaints to the FCA. [4]
The Online Safety Act 2023 also contains a procedure for super-complaints. [5] Regulations made pursuant to the Act [6] allow for determination of whether a body has eligibility to bring a super-complaint to be made after a complaint has been brought.
Some of the super-complainants under the Office of Fair Trading scheme were:
What Car? magazine also applied, but was rejected.
The organisations which can make super-complaints to the FCA are the General Consumer Council for Northern Ireland, Citizens Advice, the Federation of Small Businesses, and Which?.
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