On 23 September 2023, the Payment Services Regulator (PSR) published Policy Statement 24/6: Supporting the identification of APP scams and civil disputes (PS24/6).

In PS24/6 the PSR provides feedback to its earlier consultation on proposed guidance to help payment service providers (PSPs) distinguish between an authorised push payment (APP) scam and civil dispute.  By private civil dispute, the PSR means a dispute between a consumer and payee which is a private matter between them for resolution in the civil courts, rather than involving criminal fraud or dishonesty. The PSR also sets out its finalised guidance which sets out a non-exhaustive list of high-level factors that PSPs should consider when determining whether a clam is an APP scam or civil dispute. PSPs should consider all high-level factors, and the information provided by the consumer or third party when assessing a claim.