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The Credit Ombudsman Service (COSL), is an Australian alternative dispute resolution or ombudsman that helps settle disputes between consumers and financial credit providers. It was established in 2003 as a result of the Mortgage & Finance Association of Australia ('MFAA') self-regulation, originally called the Mortgage Industry Ombudsman Scheme (MIOS). It later expanded its remit to include non-bank lending and other credit services, changing its name to the Credit Ombudsman Service Limited (COSL) to reflect this broader jurisdiction. The Credit Ombudsman Service is one of the largest External Dispute Resolution (EDR) schemes in Australia by number of members, totaling over 16,500 in 2013. The ombudsman covers the following institutions: * Credit providers * Credit representatives * Fund managers * Credit unions * Building societies * Leasing companies * Small Amount-lenders * Mortgage Brokers * non-bank lenders * mortgage managers * mortgage originators * (aggregators ) * wholesale funders * securitisation trustees * housing co-operatives * mortgage insurers * Fund Managers * Planners & Advisors * Collections * Hire & Rental == History == The Credit Ombudsman Service was established in 2003 as the Mortgage Industry Ombudsman Service Limited (‘MIOS’) as an EDR (External Dispute Resolution, known in other regions as ADR) scheme and later adopted COSL as its current name in 2004. COSL is an approved〔(【引用サイトリンク】title=ASIC online help for people making a complaint )〕〔(【引用サイトリンク】title=ASIC approved EDR schemes )〕〔(【引用サイトリンク】title=Australian Competition & Consumer Commission )〕 EDR scheme under scheme approved by (ASIC )’s Regulatory Guide (RG 139 ) and its services are free for consumers. Funding is sourced from a combination of its membership fees and complaint fees paid by its participating Members. COSL can award compensation up to a maximum of $250,000 and other remedies, such as an apology, can be asked for. 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「Credit ombudsman service」の詳細全文を読む スポンサード リンク
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