Liz Barclay, Caroline Barr and Doug Taylor are the fresh faces on the panel, which advises and challenges the Financial Conduct Authority from the consumer perspective.
Frances Harrison and Dan Plant are leaving after finishing their three year terms.
Sue Lewis, chair of the FSCP, said: "I am delighted to welcome Liz, Caroline and Doug to the Panel.
"They each bring with them a wealth of knowledge and experience of the financial services industry and a passion for consumer advocacy.
"I am very grateful to the departing members, Frances Harrison and Dan Plant, for their invaluable contribution to the success of the panel.
"As they come to the end of their three-year terms, they leave with our thanks and best wishes for the future."
The appointments take effect from 1 January and will be for a three-year term.

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Factfile:

Liz Barclay has been a broadcast journalist and producer for more than 20 years specialising in personal finance, consumer affairs and issues affecting small businesses for the BBC and the independent sector. She is on the board of the Financial Services Compensation Scheme and the Equity Release Council Standards Board, and is Chair of Camden Citizens Advice Bureau.

Caroline Barr has worked in the financial services industry in both the retail and corporate sectors. At the Treasury she was a member of the team that implemented the Stakeholder Products range recommended by the Sandler Review and worked with the Financial Services Authority on the development of the basic advice regime.

Doug Taylor works on a consultancy basis and is Leader of the Council at the London Borough of Enfield. He is a Governor at Capel Manor College, a member of the London Community Sports Board and the London Council Leaders Group. He is also a member of the European Insurance and Occupational Pensions Authority, occupational pensions stakeholder group, a Governor of the Pensions Policy Institute and the NEST members panel. For many years he was Chief Advocate Financial Services at Which?

The three new panel members have been appointed following the departure of Dan Plant and Frances Harrison at the end of December 2013, who came to the end of their three-year term on the panel.