That this House welcomes the publication of the Authorised Push Payment (APP) Scams Voluntary Code due to come into effect on 28 May 2019 to protect customers from APP fraud; notes that during the first half of 2018 consumers lost £92.9 million due to APP scams; further notes that this has caused significant loss and financial instability for individuals and families; commends the banks that have signed up to the code including Barclays, HSBC, Lloyds Banking Group - which includes Bank of Scotland, Halifax, and Lloyds Bank - Nationwide, RBS - which includes NatWest and Royal Bank of Scotland - and Santander; further commends TSB for going further for their customers by promising to refund those who have been victims of APP fraud; urges all other banks to follow their example; further challenges all banks to backdate the compensation to historic cases of APP fraud; calls on the Government to make the Authorised Push Payment Scams code mandatory for all banks; and further calls on the Government to demand banks provide compensation for customers who have fallen victim to APP fraud in the past and pledge to compensate those who will in the future.