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

Important Membership Advisory

On 1 September 2018, the operations of the CIO EDR scheme transitioned to AFCA Limited. All financial services providers should already have applied to become a member of AFCA Limited.

If you have not yet joined AFCA Limited, this means you are not currently covered by an EDR scheme.  Apply for membership here.

News and events

Consumer News - May 2018This issue contains information about the AFCA transition, systemic issues, Position Statement on "Access to Documents", recent Decisions and Determinations, quarterly statistics, and more.

Unjust transactions
We published on Position Statement on "Unjust Transactions". It sets out what we will consider when investigating complaints involving unjust transactions, the information we will require from a consumer or financial services provider (FSP), and the remedies that may be available.

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

Search for a participating financial services provider (FSP)

CIO has over 25,000 participants operating in a variety of financial services sectors. Use the search engine to find any of CIO's participating financial services providers.


Australian Financial Complaints Authority

The Bill to establish the Australian Financial Complaints Authority (AFCA) was passed in Parliament in February 2018.