Code of Banking Practice
This Code is issued jointly by HKAB and the DTCA and endorsed by the HKMA. It aims to promote good banking practices by setting out the minimum standards that authorized institutions should comply when they provide services to personal customers. Although the Code is issued on a voluntary basis, all authorized institutions are expected to comply with the Code, which covers:

• Terms and conditions of accounts
• Fees and charges of accounts
• Use of customer information
• Compliance with the relevant ordinances for the promotion of equal opportunity
• Bank marketing
• Handling customer complaints
• Residential mortgage financing
• Card services (including credit card, debit card and stored value card, etc.)
• Methods of recovery of loans and commissioning of debt collection agencies
• Electronic banking services