---
term: "Consumer standard of caution"
category: "Liability and disputes"
url: https://agenticopenfinance.com/glossary/consumer-standard-of-caution
source: AgenticOpenFinance glossary
---

# Consumer standard of caution

> The UK APP reimbursement exception for consumers who, with gross negligence, ignore specific expectations.

The consumer standard of caution is an exception in the UK APP fraud reimbursement rules: a sending firm may refuse reimbursement if the consumer, with gross negligence, failed to meet expectations such as heeding specific warnings from their firm, reporting the scam promptly, sharing requested information and reporting to the police when asked. The exception does not apply to consumers who were vulnerable at the time. How it would apply when an agent, not the consumer, received a warning is an open question.

Related terms: [APP fraud reimbursement](https://agenticopenfinance.com/glossary/app-fraud-reimbursement.md), [Gross negligence](https://agenticopenfinance.com/glossary/gross-negligence.md), [Human oversight](https://agenticopenfinance.com/glossary/human-oversight.md), [Client-Initiated Backchannel Authentication (CIBA)](https://agenticopenfinance.com/glossary/ciba.md)