What is a financial service?
Financial service providers
You can make a complaint against a financial service provider that is authorised by the Central Bank of Ireland. To check if a provider is regulated, please check the Central Bank register.
Credit Intermediaries
You can make a complaint against a credit intermediary and other providers authorised by the Competition and Consumer Protection Commission (CCPC). To check if your provider is authorised, please check the CCPC register.
Certain providers subject to the Consumer Credit Act 1995.
You can make a complaint against certain providers subject to the Consumer Credit Act 1995 ('the Act'). If your credit agreement was made under the Consumer Credit Act, your can bring your complaint to the FSPO. The Act covers hire-purchase agreements, consumer hire agreements and moneylending agreements. The Act does not cover the giving of credit, or otherwise, to businesses.
Providers you can complain about:
- Banks
- Credit unions
- credit intermediaries
- Insurance companies (life and non-life)
- Health insurance companies
- E-money providers
- Payment service providers
- Stockbrokers/investment intermediaries
- Money lenders/high cost credit providers
- Consumer credit/hire purchase providers
- Buy Now Pay Later providers
- Household goods credit providers/retail credit firms
- Mortgage brokers, insurance brokers and other intermediaries
- Pawnbrokers
- Loan owners/credit servicing firms
- Debt management firms
- Home reversion firms
This is not a complete list. Please contact us if you are unsure whether your complaint can be investigated by us.
