Australian Credit & Financial Services Licensees

Australian Credit Licence (ACL) holders, Australian Financial Services Licence (AFSL) holders and authorised credit representatives are required to be a member of an ASIC-approved external dispute resolution (EDR) scheme such as CIO. Find out more information about financial services licensing.

Visit ASIC's website

Limited Australian Financial Services Licensees

Accountants providing advice on self-managed superannuation funds (SMSFs) to retail clients will be required to hold a limited Australian financial services (AFS) licence and join an external dispute resolution (EDR) scheme such as CIO from 1 July 2016.

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Consumer News - April 2016 [27 Apr 2016]

This issue contains information about our revised process, outreach in Autumn 2016, systemic issues, Read on...

Consumer News - January 2016 [13 Jan 2016]

This issue contains information about new Determinations published, Read on...

Events and Training

Dispute Resolution Conference 2016

The comprehensive one-day program will offer delegates a mix of presentations, workshops and panel discussions on external dispute resolution issues.

Read on...


Annual Reports

The Credit and Investments Ombudsman releases an Annual Report on its business for each financial year. The report is presented together with the years' audited financial accounts at the CIO Annual General Meeting (AGM), held within three mon Read on...

Guides and Brochures

This section provides additional information for both consumers and financial services providers in terms of the CIO complaint process, information about how to make a complaint, conciliation conferences, financial hardship, and how to become Read on...