Can we help?

The Credit and Investments Ombudsman (CIO) offers an impartial dispute resolution scheme to assist consumers to resolve complaints with participating financial services providers.

Our services are free to consumers


or call 1800 138 422

Australian Credit & Financial Services Licensees

Australian Credit Licence (ACL) holdersAustralian 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. 

Membership for limited AFS licensees

News and events

Consumer News - March 2017
This issue contains information about outreach in Autumn 2017, systemic issues, recent case studies, quarterly statistics, and more.

Consumer News - December 2016 
This issue contains information about our financial counsellors conferences, FSPs filing police reports, systemic issues, recent case studies, withdrawn complaints, quarterly statistics, and more.












Search for a participating financial services provider (FSP)

CIO has over 23,000 participants operating in a variety of financial services sectors. Use the search engine to find any of CIO's participating financial services providers.


Information for Accountants


If you are an accountant providing SMSF advice, you will need a limited AFS licence and join an EDR scheme like CIO. Become a member before 1 July 2017 and take advantage of our free membership offer.