The advertising landscape is shifting fast and 2025 marks a turning point
Two major laws, the Digital Markets, Competition and Consumers Act (DMCC) and the Economic Crime and Corporate Transparency Act (ECCTA), will soon give regulators unprecedented power to act directly against misleading or unsubstantiated claims. At the same time, the ASA is demanding fresher evidence, clearer messaging, and equal prominence for qualifications.
This isn’t just about compliance, it’s about confidence
The best brands know that credibility builds conversion. Clear, evidenced, and defensible claims not only protect you from risk; they strengthen your message, reputation, and consumer trust.
At Consumer Intelligence, we believe this is the right moment to reset the conversation.
Our insights have always helped insurers and intermediaries market with precision and clarity. Now, we want to make sure that precision also protects your brand.
This guidance draws on what we’ve seen in the market, what’s working, what’s not, and how to stay ahead as the rules evolve. It’s about helping you use data as a strength: to stand out, tell your story clearly, and stay safely within the lines.
Our aim is simple: to help you market responsibly, confidently, and competitively
TLDR: What matters now is that comparative claims must be accurate when consumers see them, not only when the data was collected. Under the CAP Code, you must hold documentary evidence before publication, and for dynamic claims, you should monitor evidence as close as possible to the appearance dates. From 6 April 2025, the CMA will be able to impose fines directly for consumer law infringements. From 1 September 2025, large organisations face a new corporate offence of failure to prevent fraud, with an unlimited fine if reasonable procedures are not in place. The safest approach is to have live claims, live evidence, supported by a clear scope, verifiability, and an audit trail.
What has changed
Digital Markets Competition and Consumers Act 2024 (DMCCA)
From 6 April 2025 the CMA may directly impose monetary penalties for consumer‑law infringements. Penalties can be up to 10% of worldwide turnover for infringements, up to 5% for breaches of undertakings or directions, and up to 1% for certain information failures. Daily penalties may apply where relevant.
Economic Crime and Corporate Transparency Act 2023 (ECCTA)
From 1 September 2025 a new corporate offence of Failure to Prevent Fraud applies to large organisations that meet any two of these thresholds: more than 250 employees, turnover over £36m, total assets over £18m. Defence is to have reasonable fraud‑prevention procedures. Penalty on conviction is an unlimited fine.
ASA focuses on current evidence
Recent rulings reinforce that old datasets do not substantiate dynamic price comparisons. Date‑stamping alone will not save a claim if the market has moved materially.
The rulebook at a glance
CAP Code Section 3: Misleading advertising
- 3.1 Truthfulness. Marketing communications must not materially mislead or be likely to do so.
- 3.3 Qualifications. Qualifications may clarify but must not contradict the headline claim.
- 3.7 Substantiation. Hold documentary evidence before publication for objective claims. Evidence must apply to the claim as consumers will understand it at the time the ad appears.
Comparisons with identifiable competitors
- 3.33 to 3.35. Comparisons must be objective, material, relevant, representative and verifiable. In practice, this requires current, checkable evidence and a clear route for verification while the ad is live.
CAP guidance on lowest‑price and dynamic claims
- If the claim relies on monitoring on a specific date, include that date and monitor as close as possible to appearance dates, taking extra care in fast‑moving markets and for long‑shelf‑life media. Claims must remain accurate for their duration.
What this means in practice
Live claim, live evidence
Substantiation is not a one‑off exercise. For dynamic price, savings, superlative, and ranking claims, you should refresh evidence on a cadence proportionate to market volatility and media fluctuations.
Out‑of‑date evidence is insufficient
Where a dynamic comparison rests on historic monitoring, continuing to run the claim once the market has moved will likely mislead. Date‑stamping old data does not cure a claim that has become untrue.
Verifiability matters
Provide a public verification route so consumers or a knowledgeable third party can check the basis while the ad is live.
Representativeness
Ensure the claim reflects the consumer experience. For example, if a large share of purchases is made on instalments, either include them or clearly and prominently qualify the headline.
Four critical risks in price comparison advertising
1. Running claims without current substantiation
- Implement a pre‑publication gate for comparative claims. Require an evidence pack, legal sign‑off, a verification route, a refresh schedule and an audit trail. Map these controls into your ECCTA reasonable procedures if you are in scope.
ECCTA: building reasonable procedures for marketing claims
Large organisations should document controls that prevent dishonest advertising claims:
- Top‑level commitment. Board support for honest advertising and adequate compliance resourcing.
- Risk assessment. Identify and review fraud risks specific to comparative claims on a regular basis.
- Proportionate measures. Pre‑publication gate, evidence holding requirement, refresh mandates and pull triggers.
- Due diligence. Confirm data suppliers can provide the evidence pack you will need. Ensure agencies understand substantiation requirements.
- Training and communication. Upskill marketing, legal and leadership teams on CAP, DMCC and ECCTA expectations.
- Monitoring and review. Audit live claims, review campaigns post-flight and document incident learning.
Working with Consumer Intelligence supports these procedures through dated evidence packs, documented methodologies, pre‑agreed refresh frameworks and a clear audit trail.
How can we help?
- Claim structuring. We will check that the wording matches what the data shows and flag representativeness issues before you launch.
- Evidence packs. We will specify and deliver the datasets and documentation you should hold to substantiate a claim.
- Refresh cadence. We will recommend monitoring frequency by claim type and market volatility and schedule refresh runs with you.
- Verifiability. We will help you create a simple methodology page that sets out scope, period, comparators and material limitations.
- Audit trail. We will provide dated evidence packs and engagement records that support regulatory scrutiny and ECCTA procedures.
If you have any questions or concerns, please contact us. We would rather review your claim early than help unwind a problem later. Email: insights@consumerintelligence.com