Can we help?

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

Our service is 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.



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