Jargon buster

This is a straightforward, non-technical guide to the often-confusing jargon used in financial services regulation. It aims to give a set of basic definitions, in plain language, for a wide range of acronyms, products, and terms as used in RegZone reports. It is designed to be suitable for non-lawyers, and comprehensible without too much prior knowledge or cross-referencing.

*entries marked with an asterisk refer to the UK only

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  • Continuous Payment Authority (CPA)*
    A CPA authorises a business to take money out of a bank account on a regular basis.
  • Council of Mortgage Lenders (CML)*
    UK trade association for representing the residential mortgage lending industry.
  • Council of the European Union (CEU)
    One half of EU legislature (the other being the European Parliament). The Council is composed of government ministers from each member state; for this reason it is sometimes called the 'Council of Ministers'. When it is EU finance ministers sitting together, that configuration of the Council is known as ECOFIN. The Council of the European Union is not to be confused with the European Council.
  • Court of Justice of the European Union CJEU
    The Court of Justice of the European Union is the judicial branch of the European Union. Seated in Luxembourg City, Luxembourg, this EU institution consists of two separate courts: the Court of Justice and the General Court.
  • Credit Broking
    (Consumer credit) introducing a prospective borrower to a potential lender, or helping them to sign a credit agreement with the latter
  • Credit Default Swap (CDS)
    A contract whereby the seller agrees to compensate the buyer in the event of a third party defaulting on a debt obligation.
  • Credit Rating Agency (CRA)
    A company that reviews the creditworthiness of financial products, companies, and bond-issuing states.
  • Credit Repair Firm
    Firm that provides credit information services to individuals that wish to repair their credit rating.
  • Credit Valuation Adjustment CVA
    Credit Valuation Adjustment
  • Cryptocurrency
    A digital currency in which encryption techniques are used to regulate the generation of units of currency and verify the transfer of funds, operating independently of a central bank.