meta_id 3358662

On July 15, 2026, the United Kingdom Home Office published a call for evidence seeking input from individuals and organisations with experience of unauthorised fraud in the UK. The scope is strictly limited to fraud where transactions are made without the victim's knowledge, consent, or participation. It explicitly excludes Authorised Push Payment (APP) fraud (where victims are manipulated into initiating the payment themselves). The call primarily focuses on three main types of unauthorised fraud: Unauthorised card fraud, including remote purchase fraud, counterfeit cards, lost/stolen cards, and card ID theft. Unauthorised remote banking fraud, covering online, mobile, and telephone banking channels. Unauthorised cheque fraud. The scope of this inquiry is structured around six core areas: Criminal Methodologies & Emerging Threats: Exploring how stakeholders define and differentiate unauthorised fraud (especially from authorised fraud), the specific methodologies criminals use, the prevalence of first-party fraud (e.g., in disputes and remote purchases), and the anticipated threats over the next 3 to 5 years. Drivers of Unauthorised Fraud: Investigating the root factors enabling these crimes, with a specific focus on the exploitation of new technologies like digital commerce, e-sims, app-based banking, digital wallets (pass-through and in-device), and the role of Artificial Intelligence both now and in the near future. Origins of the Attacks: Gathering data on where these fraud attempts most commonly originate (including specific platforms, devices, networks, and geographies) and analyzing the multi-channel, multi-step stages criminals use to execute them. Barriers to Reduction: Identifying the primary obstacles preventing a reduction in unauthorised fraud, determining which actors (e.g., government, industry, regulators) are best equipped to remove these barriers, and assessing how organisations balance commercial friction (speed and accessibility) with robust security. Existing Countermeasures: Assessing the current steps organisations have taken to prevent fraud, evaluating the effectiveness of firms' current transaction risk monitoring capabilities, and gathering international or UK-based examples of best practices that have successfully disrupted these crimes. Technical Standards, Controls & Authentication: Evaluating the effectiveness of existing authentication methods (such as PINs, One-Time Passwords, biometrics, and behavioural analytics), identifying commonly exploited weaknesses in current regulatory standards, and proposing new safeguards or controls to improve systemic resilience. This call for evidence closes on October 7, 2026, and responses can be submitted by email to financecfe@homeoffice.gov.uk or through the Smart Survey form .