the Financial Services Compensation Scheme

E793185

deposit insurance scheme investor compensation scheme statutory body

The Financial Services Compensation Scheme is the UK’s statutory deposit insurance and investor compensation scheme that protects customers when authorised financial firms fail.

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All labels observed (5)

Label	Occurrences
Financial Services Compensation Scheme	3
FSCS	2
Investors Compensation Scheme Ltd	2
Financial Services Compensation Scheme Limited	1
the Financial Services Compensation Scheme canonical	1

How this entity was disambiguated

This entity first appeared as the object of triple T9352077 — resolving that mention is where its identity was fixed. The disambiguator weighed these candidate entities and picked the highlighted one (or “None”, minting a new entity). This is how homonymy is resolved: the same surface form can point to different entities.

NED1 Entity disambiguation (via context triple) gpt-5-mini-2025-08-07

Target entity: the Financial Services Compensation Scheme
Context triple: [Financial Services and Markets Act 2000, providesFor, the Financial Services Compensation Scheme]

A. Financial Services Commission
The Financial Services Commission is a Florida state regulatory body that oversees the insurance and financial services industries, including licensing, compliance, and consumer protection functions.
B. Financial Services Authority
The Financial Services Authority was the former UK regulator responsible for overseeing the financial services industry, including banks, insurers, and investment firms, until its functions were replaced in 2013.
C. Financial Conduct Authority
The Financial Conduct Authority is the United Kingdom’s main financial regulator responsible for overseeing financial markets, firms, and consumer protection.
D. Financial Services Act 2013
The Financial Services Act 2013 is a key Malaysian law that modernizes and consolidates the regulation and supervision of the country’s financial sector, including banking, insurance, and payment systems.
E. Financial Services Act 2012
The Financial Services Act 2012 is a UK law that overhauled financial regulation after the 2008 crisis, creating new supervisory bodies and strengthening oversight of the financial system.
F. None of above. chosen
G. Unsure - the case is ambiguous/there is not enough information to decide.

NED2 Entity disambiguation (via description) gpt-5-mini-2025-08-07

Target entity: the Financial Services Compensation Scheme
Target entity description: The Financial Services Compensation Scheme is the UK’s statutory deposit insurance and investor compensation scheme that protects customers when authorised financial firms fail.

A. Financial Services Commission
The Financial Services Commission is a Florida state regulatory body that oversees the insurance and financial services industries, including licensing, compliance, and consumer protection functions.
B. Financial Services Authority
The Financial Services Authority was the former UK regulator responsible for overseeing the financial services industry, including banks, insurers, and investment firms, until its functions were replaced in 2013.
C. Financial Conduct Authority
The Financial Conduct Authority is the United Kingdom’s main financial regulator responsible for overseeing financial markets, firms, and consumer protection.
D. Financial Services Act 2013
The Financial Services Act 2013 is a key Malaysian law that modernizes and consolidates the regulation and supervision of the country’s financial sector, including banking, insurance, and payment systems.
E. Financial Services Act 2012
The Financial Services Act 2012 is a UK law that overhauled financial regulation after the 2008 crisis, creating new supervisory bodies and strengthening oversight of the financial system.
F. None of above. chosen

Statements (49)

Predicate	Object
instanceOf	deposit insurance scheme ⓘ investor compensation scheme ⓘ statutory body ⓘ
compensationScope	authorised UK financial services firms only ⓘ
compensationTrigger	authorised financial firm is unable or likely to be unable to meet claims ⓘ
compensationType	deposit protection ⓘ home finance protection ⓘ insurance protection ⓘ investment protection ⓘ
country	United Kingdom ⓘ
eligibilityCriterion	customer must have a valid claim against a failed firm ⓘ firm must be authorised by UK financial regulators ⓘ
establishedBy	UK Parliament ⓘ linked to: British Parliament
function	provides compensation for insurance policyholders in certain cases ⓘ provides compensation for some types of mortgage and other financial business ⓘ provides compensation to eligible depositors ⓘ provides compensation to eligible investors ⓘ
fundingModel	levies on authorised financial services firms ⓘ
hasAbbreviation	FSCS ⓘ linked to: the Financial Services Compensation Scheme
hasWebsite	https://www.fscs.org.uk/ ⓘ
headquartersLocation	London ⓘ linked to: London, England
industry	banking ⓘ insurance ⓘ investment services ⓘ mortgage and home finance ⓘ
jurisdiction	United Kingdom ⓘ
languageOfWorkOrName	English ⓘ
legalBasis	Financial Services and Markets Act 2000 ⓘ linked to: Financial Services and Markets Act 2000 (as amended)
legalStatus	independent body ⓘ
operatesOnPrinciple	last resort compensation ⓘ
protects	certain charities ⓘ certain trusts ⓘ retail consumers ⓘ small businesses ⓘ
purpose	to protect customers of authorised financial firms when those firms fail ⓘ
regionServed	England ⓘ Northern Ireland ⓘ Scotland ⓘ Wales ⓘ
regulator	Financial Conduct Authority ⓘ Prudential Regulation Authority ⓘ
regulatoryFramework	Financial Conduct Authority rules ⓘ Prudential Regulation Authority rules ⓘ
relatedConcept	deposit guarantee scheme ⓘ investor compensation scheme ⓘ
roleInSystem	safety net for customers of failed financial firms ⓘ
sector	financial services ⓘ
shortName	FSCS ⓘ linked to: the Financial Services Compensation Scheme
supervision	overseen within the UK financial regulatory framework ⓘ

How these facts were elicited

Referenced by (9)

Full triples — surface form annotated when it differs from this entity's canonical label.

Financial Services and Markets Act 2000 → providesFor → the Financial Services Compensation Scheme ⓘ

subject linked to: Financial Services and Markets Act 2000 (as amended)

Investors Compensation Scheme Ltd v West Bromwich Building Society → claimant → Investors Compensation Scheme Ltd ⓘ