Social Media: Scam Adverts and Fraudulent Content

Debate between Lord Hanson of Flint and Lord Vaux of Harrowden

Thursday 11th December 2025 Lords Chamber

[Lord Hanson of Flint (Lab)]

I am grateful to my noble friend for that. The Government have already signed a United Nations resolution against fraud, and we are hosting a conference in Vienna in March next year to try to bring together international action on the very issues that my noble friend has mentioned. Independently, I went to Nigeria in April this year and signed an agreement with the Nigerian Government on fraud and scammers, my right honourable friend the Prime Minister has done one with Vietnam recently, and we intend to expand that further to other key nations. It is vital that we have international co-operation to tackle areas where scammers are operating from, very often against the will of the host Government.

[Lord Vaux of Harrowden (CB)]

My Lords, fraud is not falling, despite all the efforts that have been put into it so far. The National Crime Agency estimates that 67% of fraud is cyber-enabled. It says:

“Social media platforms are a key facilitator of authorised push payments frauds”.


Social media platforms and telecoms are the main route by which fraud comes to this country from overseas scammers, as referred to by the noble Baroness, Lady Jones. At the moment, banks pick up the full cost of reimbursing fraud victims. Banks have a key role in preventing fraud but they are not the facilitators of it. Surely the time has come to make social media platforms and telecom companies pay their share of the losses that people suffer as a result of their facilitation of fraud.

[Lord Hanson of Flint (Lab)]

I am grateful to the noble Lord. He is absolutely right that the banks are effectively subsidising fraud results and are leading to the repayment of an amount of the fraud that is taking place. He is also right that a large portion of that fraud, which is around 44% of all crime, goes through telecommunication companies. We recently established a brand new fraud charter with telecom companies, which I believe will reduce fraud via telephone communication significantly over the next 12 months. In the fraud strategy we will discuss the potential for reducing fraud through telecommunications platforms and through platforms such as Meta/Facebook and others, which are a significant gateway to fraud. The noble Lord is absolutely right, but I will have to reflect on those matters as part of the forthcoming fraud strategy.

Telecommunications Fraud: Reimbursement of Victims

Debate between Lord Hanson of Flint and Lord Vaux of Harrowden

Wednesday 14th May 2025 Lords Chamber

[Lord Vaux of Harrowden]

To ask His Majesty’s Government what steps they intend to take to ensure that technology and telecommunication firms contribute to the cost of fraud prevention and the reimbursement of victims of fraud that arises on their platforms.

[The Minister of State, Home Office (Lord Hanson of Flint) (Lab)]

Through regulation, including the Online Safety Act, companies are now required to stop fraudsters abusing their business models. All parties with a role to play should prioritise tackling fraud, including the tech and telco sectors, which are key partners in the prevention of fraud. However, more can be done, and further action will be set out in the Government’s forthcoming fraud strategy.

[Lord Vaux of Harrowden (CB)]

My Lords, I thank the noble Lord for that Answer. As noble Lords will be aware, banks now have to reimburse fraud victims. However, according to the PSR, over 70% of scams by volume originate online, 54% from Meta alone, and 31% of scams by value originate from telecoms companies. Yet, despite facilitating most of the scams, technology and telecoms companies have no liability for the losses and are subject only to voluntary charters. Indeed, one large telecoms company—let us name it: BT/EE—has started to charge extra to warn people that calls or texts might be a scam. The voluntary charters are clearly not working, so does the Minister agree that tech and telecom companies will take serious action only if they have a real financial liability for the losses, just like the banks do? Does he also agree that it is a disgrace that a company such as BT/EE is profiteering from scams, and will he take action to stop that before the others follow?

[Lord Hanson of Flint (Lab)]

I will certainly look separately into the noble Lord’s question in regard to BT and so on. He will be aware that since March 2025, Ofcom’s illegal content code of practice has come into effect. That means that platforms such as Meta and the others he has mentioned, which contribute through hosting illegal activity and significant levels of fraud, now have a mandate to proactively stop and remove fraudulent content, or else they will face fines and other potential measures. The noble Lord mentioned the disparity between the banks and the platforms. We have the Online Safety Act, which has only just come into effect, and we have potential areas to look at in the fraud strategy. I am aiming to publish the fraud strategy at the end of this year and early next year at the latest. We are working through that currently, and I keep all options open.