Official portal · Office of Financial Conduct
Official portal of the Office of Financial Conduct

A single, secure place to resolve complaints against your financial institution.

The Complaint Management Platform routes every submission to the right supervisor, tracks it against a public SLA, and publishes a binding resolution — free of charge, in your language, on any device.

1,600+

Complaints resolved

9 days

Median resolution

184

Institutions supervised

About OFC

An independent regulator with one job: fair treatment for consumers.

The Office of Financial Conduct supervises every licensed bank, insurer, micro-lender, payment provider and investment firm. When institutions get things wrong, we make sure consumers get them made right.

  • Impartial adjudication

    Every complaint reviewed by an independent officer.

  • Binding decisions

    Institutions must comply with OFC resolutions by law.

  • Private & secure

    End-to-end encryption and strict access controls.

  • Free of charge

    Lodging, tracking and appealing complaints costs nothing.

96%

SLA compliance across all departments

184

Licensed institutions under supervision

1.6K

Complaints processed this quarter

28K+

Consumers served in the last 12 months

How it works

Five simple steps from complaint to resolution.

A clear, guided complaint journey with updates sent using your preferred communication method.

01

Check Eligibility

Answer a few questions to confirm your complaint is eligible.

02

Submit Complaint

Complete the complaint form and upload evidence.

03

Review & Assessment

OFC reviews your case, verifies eligibility, requests LFI response.

04

Investigation

OFC reviews the evidence and may seek additional information.

05

Decision

OFC issues a written decision. Complex cases may be referred to the FDRC.

Consumer rights

Your rights, in plain language.

  • Right to fair treatment

    Every institution must treat consumers honestly and without discrimination.

  • Right to clear disclosure

    Fees, interest and terms must be presented in language you understand.

  • Right to complain without cost

    Lodging a complaint is free, whether or not you hold an account.

  • Right to redress

    You are entitled to a written response and, where applicable, compensation.

  • Right to privacy

    Your data cannot be shared without consent, except as required by law.

Newsroom

Latest advisories & updates.

Report

OFC releases 2025 Consumer Protection Report

Annual review shows a 22% increase in resolved complaints and faster median resolution times. The Office of Financial Conduct remains committed to consumer protection and transparency across the finan

JUL 25, 2026 Read More
Regulation

New digital banking guidelines effective January

Institutions must implement two-factor authentication on all customer channels. The Office of Financial Conduct remains committed to consumer protection and transparency across the financial services

JUL 18, 2026 Read More
Advisory

Public advisory on investment scams

Consumers are warned about unregistered high-yield investment schemes circulating online. The Office of Financial Conduct remains committed to consumer protection and transparency across the financial

JUL 11, 2026 Read More
Platform

Complaint portal upgraded

The Complaint Management Platform now supports anonymous reporting and mobile document capture. The Office of Financial Conduct remains committed to consumer protection and transparency across the fin

JUL 04, 2026 Read More
Outreach

Regional consumer education tour begins

OFC officers will visit 12 cities to raise awareness of consumer rights. The Office of Financial Conduct remains committed to consumer protection and transparency across the financial services sector.

JUN 27, 2026 Read More
Frequently asked

Answers, before you ask.

Everything from lodging your first complaint to appealing a decision.

The Office of Financial Conduct (OFC) is the national regulator overseeing licensed financial institutions and consumer complaint resolution.

Most complaints are resolved within 30 working days. Complex investigations may take longer.

No. Lodging and tracking complaints via the OFC is completely free.

Yes, you can upload PDFs, images and documents up to 10MB each.

You may appeal in writing within 14 days of the decision, or escalate to the Financial Ombudsman.

Been unfairly treated by a financial institution?

Lodge your complaint today. It takes 5 minutes and every submission gets a response.

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