DISP 2.5 To which activities does the Voluntary Jurisdiction apply?

The Ombudsman can consider a complaint under the Voluntary Jurisdiction if:

1. (1)

    it is not covered by the Compulsory Jurisdiction; and

2. (2)

    it relates to an act or omission by a VJ participant in carrying on one or more of the following activities:

   1. (a)

       an activity (other than auction regulation bidding, administering a benchmark, meeting of repayment claims, managing dormant asset funds (including the investment of such funds), regulated pensions dashboard activity and operating an electronic system for public offers of relevant securities) carried on after 28 April 1988 which:

      1. (i)

          was not a regulated activity at the time of the act or omission, but

      2. (ii)

          was a regulated activity when the VJ participant joined the Voluntary Jurisdiction (or became an authorised person, if later);

   2. (b)

       a financial services activity carried on after commencement by a VJ participant which was covered in respect of that activity by a former scheme immediately before the commencement day;

   3. (c)

       activities, other than regulated claims management activities, activities ancillary to regulated claims management activities, meeting of repayment claims, managing dormant asset funds (including the investment of such funds), regulated pensions dashboard activity and operating an electronic system for public offers of relevant securities, which (at 19 January 2026) would be covered by the Compulsory Jurisdiction, if they were carried on from an establishment in the United Kingdom (these activities are listed in DISP 2 Annex 1G);

   4. (ca)

       an activity which would be a regulated claims management activity and would be covered by the Compulsory Jurisdiction if it were carried on in Great Britain (see PERG 2.4A);

   5. (cb)

       an activity which would be a regulated funeral plan activity and would be covered by the Compulsory Jurisdiction if it were carried on in relation to a funeral in the United Kingdom.

   6. (d)

       [deleted]

   7. (e)

       lending money secured by a charge on land;

   8. (f)

       lending money (excluding restricted credit where that is not a credit-related regulated activity );

   9. (g)

       paying money by a plastic card (excluding a store card where that is not a credit-related regulated activity );

   10. (h)

        providing ancillary banking services;

   11. (i)

        acting as an intermediary for a loan secured by a charge over land;

   12. (j)

        acting as an intermediary for general insurance business or long-term insurance business;

   13. (k)

        National Savings and Investments' business;

   14. (l)

        offering and/or issuing of investments by ISPVs;

   15. (m)

        [deleted]

or any ancillary activities, including advice, carried on by the VJ participant in connection with them.