In the guide

Background

From 1 January 2026, businesses that run consumer savings schemes, such as Christmas savings clubs, must protect customer payments and provide clear information about how they are safeguarded.

The Department for Business and Trade has published guidance on the subject, and a Business Companion guide will be published in January.

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Key legislation

Please note

This information is intended for guidance; only the courts can give an authoritative interpretation of the law.

The guide's 'Key legislation' links go to the legislation.gov.uk website. The site usually updates the legislation to include any amendments made to it. However, this is not always the case. Information on all changes made to legislation can be found by following the above links and clicking on the 'More Resources' tab.

What type of feedback would you like to leave

Consumer enquiries from England, Scotland and Wales are handled by the Citizens Advice Consumer Service who can be contacted by telephone on 03454 04 05 06. Consumer enquiries in Northern Ireland are handled by ConsumerLine who can be contacted by telephone on 0300 1236262. Call charges may vary.

How many years have you been trading?
How many employees are there in your business?

Business enquiries are dealt with by your local council. Use the Chartered Trading Standards Institute's postcode finder to locate your local trading standards team.

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