In October 2015, HM Treasury and the Ministry of Justice commissioned a fundamental review of the regulation of claims management companies (CMCs). This followed what was described as "concerns from consumers and affected sectors, particularly financial services, that CMCs fuel speculative unmeritorious claims for compensation and create a significant social nuisance through unsolicited calls and texts, misleading marketing and high charges"

In November 2015, the Alliance of Claims Companies (ACC) contacted the Royal Bank of Scotland seeking a response to the issue of alternative redress.

The opinion of the ACC and its members is that RBS's broad application of alternative redress is not consistent with the central tenet of an efficient and effective financial sector in the United Kingdom, namely that of treating customers fairly (TCF).