Specific Direction 21: CHAPS APP scam reimbursement requirement

This contains the APP scams reimbursement requirement and directs in scope PSPs to comply with the reimbursement rules.  

Specific Direction 21 (SD21) applies to all PSPs participating in CHAPS that provide relevant accounts. Relevant accounts are those provided to a service user, that are held in the UK and can send or receive payments using CHAPS but excludes accounts provided by credit unions, municipal banks financial market infrastructures and national savings banks. There are no exemptions from this obligation based on business or firm type.