Legal and Compliance

Competition and Markets Authority (CMA)

Also called CMA

The UK regulator for competition and consumer law, able since April 2025 to fine businesses directly for unfair practices such as fake reviews and hidden fees.

Quick facts: Competition and Markets Authority (CMA)

Category
Legal and Compliance
Also called
CMA
Level
Beginner
Affects
Pricing display, review collection, urgency and scarcity claims, subscriptions, platform rules
Where to see it
CMA guidance and case pages on GOV.UK, Trading Standards, Citizens Advice consumer helpline
In this article4
  1. How the CMA works
  2. Why it matters for a UK business
  3. Common mistakes
  4. How to act on it

The Competition and Markets Authority (CMA) is the UK body that enforces competition law and consumer protection law. For anyone doing marketing, it is the regulator that decides whether your reviews, prices, urgency messages and online sales journeys treat customers fairly, and since April 2025 it can fine businesses directly when they do not.

How the CMA works

The CMA is a non-ministerial government department. It took over the work of the Office of Fair Trading and the Competition Commission in 2014, and its work touches marketing in two ways.

Consumer protection

Under the Digital Markets, Competition and Consumers Act 2024, the CMA can investigate a suspected breach of consumer law, decide for itself whether the law has been broken and impose a penalty of up to 10% of global turnover. Before 6 April 2025 it generally had to take a business to court to get that result. It can also require a business to change its practices and to compensate customers. Trading Standards enforce the same law locally and still handle most cases involving small firms.

The CMA publishes guidance on how it reads the law, including on unfair commercial practices, fake and incentivised reviews, and price transparency, along with the Green Claims Code for environmental claims. Guidance is not law, but it tells you what the regulator will look for, and Trading Standards officers use it too.

Competition and digital markets

The same Act gave the CMA a regime for large technology firms with “strategic market status”. In October 2025 it designated Google’s general search and search advertising services, and at the time of writing (October 2026) it has consulted on conduct requirements covering fair ranking, the use of publishers’ content in AI answers and data portability. Those decisions shape the platforms UK businesses advertise and rank on, so they are worth following even if you will never deal with the CMA yourself.

Why it matters for a UK business

Most small businesses will never receive a letter from the CMA. The practices it targets, though, are everyday marketing tactics: countdown timers that reset, “only 2 left” messages that are not true, compulsory fees added at checkout (drip pricing), reviews written by staff or paid for without disclosure, and subscriptions that are easy to start and hard to cancel. The standards set in its large cases become the standards Trading Standards apply to everyone else, and customers and competitors increasingly know what to report.

There is a commercial side too. Tactics the CMA calls unfair tend to win a sale today and lose a customer, and a review, tomorrow. A clean pricing page and honest reviews are easier to defend and usually convert better over time.

Common mistakes

  • Assuming consumer law only matters to large retailers and platforms.
  • Showing a headline price that leaves out a booking fee, admin fee or other charge every customer must pay.
  • Running urgency or scarcity claims that a script generates rather than real stock or deadlines.
  • Offering discounts or prize draws for reviews without making the incentive clear, or only asking happy customers. See incentivised reviews for where the line sits.
  • Treating CMA guidance as optional reading because it is “only guidance”.

How to act on it

Walk through your own buying journey as a customer would, from ad to confirmation page, and note every claim and every price shown. Check that the first price someone sees includes all compulsory charges, that any urgency message reflects something real, and that cancelling or unsubscribing is as easy as signing up.

Then look at how you collect reviews: who is asked, what they are offered and whether any review on your site or Google Business Profile could have been written by someone connected to the business. Keep a short record of what you checked and when. A digital marketing strategy and consulting engagement with me includes this kind of review of claims, pricing and review practices alongside the channel plan.

Do and do not

Do

  • Include every compulsory charge in the first price shown
  • Read the CMA guidance that matches your sector
  • Keep urgency and scarcity claims tied to real stock or deadlines

Do not

  • Assume consumer law is only for big brands
  • Pay for reviews without clear disclosure
  • Make cancelling harder than signing up

Questions people ask about this

Can the CMA fine a small business?

Yes. Its direct enforcement powers apply to any business that deals with consumers, and penalties are set with the size of the business and the seriousness of the breach in mind. In practice the CMA concentrates on cases with wide impact, and Trading Standards deal with most problems at small firms, applying the same law and the same guidance.

What is the difference between the CMA and the ASA?

The CMA is a government body enforcing consumer and competition law, with powers to fine. The Advertising Standards Authority is the advertising industry's independent regulator, applying the CAP Code to ads and marketing claims. The two overlap on misleading advertising, and the ASA can refer persistent offenders to Trading Standards.

Where can I read the CMA's guidance for businesses?

On GOV.UK, where the CMA publishes its guidance on unfair commercial practices, fake reviews, pricing and environmental claims, together with case pages for its investigations. The case pages are useful because they show which practices the CMA actually pursued and what businesses agreed to change.

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