Terry's representatives, Elite Management, said in a statement released on his behalf:
Mr Terry is disappointed that the FA Regulatory Commission has reached a different conclusion to the clear not guilty verdict of a court of law.
He has asked for the detailed written reasons of the decision and will consider them carefully before deciding whether to lodge an appeal.
A statement from the Football Association said:
An Independent Regulatory Commission has today [Thursday 27 September 2012] found a charge of misconduct against John Terry proven and has issued a suspension for a period of four matches and a fine of £220,000, pending appeal.
The Football Association charged Mr Terry on Friday 27 July 2012 with using abusive and/or insulting words and/or behaviour towards Queens Park Rangers’ Anton Ferdinand and which included a reference to colour and/or race contrary to FA Rule E3 in relation to the Queens Park Rangers FC versus Chelsea FC fixture at Loftus Road on 23 October 2011.
The charge was the result of The FA’s long-standing investigation into this matter, which was placed on hold at the request of the Crown Prosecution Service and Mr Terry’s representatives pending the outcome of the criminal trial.
A hearing took place from 24-27 September 2012 before an Independent Regulatory Commission of The FA to consider the charge.
The decision of the Independent Regulatory Commission is as follows
John Terry has been found guilty of racially abusing QPR defender Anton Ferdinand. The former England captain has been fined £220,000 and been given a four-match ban.