Ombudsmen for financial service providers

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class="mod-logo"> <a href="/en/" accesskey="0" title="Finma Logo"> <img src="/~/media/finma/images/logo/finma-logo.png?h=94&iar=0&w=412&hash=A19C8B9DCA22533F4FECCCAE2CBFFAA1" alt="FINMA" width="412" height="94" /> </a> </div> </div> <nav class="g-row l-nav js-l-nav"> <div class="mod mod-nav-main" data-page="home"> <ul class="nav-main-list js-nav-main-list" role="navigation"> <a href="#navigation" name="navigation" accesskey="1" title="Menu 1"></a> <li class="main-list-item js-main-list-item" role="presentation" aria-haspopup="true"> <h2 class="main-list-link js-main-list-link state-active">Authorisation</h2> <ul class="main-flyout js-main-flyout" role="menu" aria-expanded="false"> <li class="g-row" role="presentation"> <div class="g-cell s-1of3 flyout-column-left"> <div class="flyout-column-left-wrap e-text"> <div class="flyout-column-left-title">Authorised or registered institutions, persons and products</div> <div class="flyout-column-text-box"> <div class="text-image pull-left"> <img src="/~/media/finma/images/menuicons/finma_icon_bewilligung.png?h=64&iar=0&w=64&hash=C59AF4AB210953925B44A1CBEDE5FD8F" alt="Authorisation icon" width="64" height="64" /> </div> <div class="flyout-column-text">These companies, persons and products have a licence and are permitted to operate on the financial market.</div> </div> </div> </div> <div class="g-cell s-1of3 flyout-column-center"> <div class="flyout-column-center-wrap"> <span class="flyout-column-title">Getting authorised</span> <ul class="flyout-column-list" role="menu"> <li role="presentation"> <a href="/en/authorisation/authorisation-overview/" title="Authorisation" role="menuitem">Authorisation</a> </li> <li role="presentation"> <a href="/en/authorisation/types-of-licensing/" title="Types of authorisation" role="menuitem">Types of authorisation</a> </li> <li role="presentation"> <a href="/en/authorisation/banks-and-securities-firms/" title="Banks and securities firms" role="menuitem">Banks and securities firms</a> </li> <li role="presentation"> <a href="/en/authorisation/insurers/" title="Insurers" role="menuitem">Insurers</a> </li> <li role="presentation"> <a href="/en/authorisation/insurance-intermediaries/" title="Insurance intermediaries" role="menuitem">Insurance intermediaries</a> </li> <li role="presentation"> <a href="/en/authorisation/asset-management/" title="Asset management" role="menuitem">Asset management</a> </li> <li role="presentation"> <a href="/en/authorisation/portfolio-managers-and-trustees/" title="Portfolio managers and trustees" role="menuitem">Portfolio managers and trustees</a> </li> <li role="presentation"> <a href="/en/authorisation/supervisory-organisations/" title="Supervisory organisations" role="menuitem">Supervisory organisations</a> </li> <li role="presentation"> <a href="/en/authorisation/vertretungen-auslaendischer-finanzinstitute-gemaess-finig/" title="Representative offices of financial institutions based outside Switzerland under FinIA" role="menuitem">Representative offices of financial institutions based outside Switzerland under FinIA</a> </li> <li role="presentation"> <a href="/en/authorisation/self-regulatory-organisations-sros/" title="Self-regulatory organisations (SROs)" role="menuitem">Self-regulatory organisations (SROs)</a> </li> <li role="presentation"> <a href="/en/authorisation/financial-market-infrastructures-and-foreign-market-participants/" title="Financial market infrastructures and foreign market participants" role="menuitem">Financial market infrastructures and foreign market participants</a> </li> <li role="presentation"> <a href="/en/authorisation/rating-agencies/" title="Rating agencies" role="menuitem">Rating agencies</a> </li> <li role="presentation"> <a href="/en/authorisation/registrierungsstelle/" title="Registration body" role="menuitem">Registration body</a> </li> <li role="presentation"> <a href="/en/authorisation/ombudsmen-for-financial-service-providers/" title="Ombudsmen for financial service providers" role="menuitem">Ombudsmen for financial service providers</a> </li> <li role="presentation"> <a href="/en/authorisation/pruefstelle-fuer-prospekte/" title="Reviewing body for prospectuses" role="menuitem">Reviewing body for prospectuses</a> </li> <li role="presentation"> <a href="/en/authorisation/fintech/" title="FinTech" role="menuitem">FinTech</a> </li> </ul> </div> </div> <div class="g-cell s-1of3 flyout-column-right"> <div class="flyout-column-right-wrap"> <a class="flyout-column-link" href="/en/finma-public/authorised-institutions-individuals-and-products/">Authorised or registered institutions, persons and products</a> <div class="flyout-column-text">These companies, persons and products have a licence and are permitted to operate on the financial market.</div> <a class="flyout-column-link" href="/en/finma-public/warnungen/">Warning list</a> <div class="flyout-column-text">These companies are not authorised and may be engaging in financial market activity without the requisite licence.</div> </div> </div> </li> </ul> </li> <li class="main-list-item js-main-list-item" role="presentation" aria-haspopup="true"> <h2 class="main-list-link js-main-list-link">Supervision</h2> <ul class="main-flyout js-main-flyout" role="menu" aria-expanded="false"> <li class="g-row" role="presentation"> <div class="g-cell s-1of3 flyout-column-left"> <div class="flyout-column-left-wrap e-text"> <a class="flyout-column-link" href="/en/supervision/our-approach-to-supervision/">Our approach to supervision</a> <div class="flyout-column-text-box"> <div class="text-image pull-left"> <img src="/~/media/finma/images/menuicons/finma_icon_ueberwachung.png?h=64&iar=0&w=64&hash=EBB252A54B6BD7EA0CDB0475CA196855" alt="Supervision icon" width="64" height="64" /> </div> <div class="flyout-column-text">FINMA’s core task is prudential supervision of the financial market. It also uses private audit companies to extend its reach.</div> </div> </div> </div> <div class="g-cell s-1of3 flyout-column-center"> <div class="flyout-column-center-wrap"> <span class="flyout-column-title">Information about supervision of…</span> <ul class="flyout-column-list" role="menu"> <li role="presentation"> <a href="/en/supervision/our-approach-to-supervision/" title="Our approach to supervision" role="menuitem">Our approach to supervision</a> </li> <li role="presentation"> <a href="/en/supervision/cross-sector-issues/" title="Cross-sector issues" role="menuitem">Cross-sector issues</a> </li> <li role="presentation"> <a href="/en/supervision/banks-and-securities-firms/" title="Banks and securities firms" role="menuitem">Banks and securities firms</a> </li> <li role="presentation"> <a href="/en/supervision/insurers/" title="Insurers" role="menuitem">Insurers</a> </li> <li role="presentation"> <a href="/en/supervision/versicherungsvermittler/" title="Insurance intermediaries" role="menuitem">Insurance intermediaries</a> </li> <li role="presentation"> <a href="/en/supervision/asset-management/" title="Asset Management" role="menuitem">Asset Management</a> </li> <li role="presentation"> <a href="/en/supervision/portfolio-managers-and-trustees/" title="Portfolio managers and trustees" role="menuitem">Portfolio managers and trustees</a> </li> <li role="presentation"> <a href="/en/supervision/supervisory-organisations/" title="Supervisory organisations" role="menuitem">Supervisory organisations</a> </li> <li role="presentation"> <a href="/en/supervision/self-regulatory-organisations-sros/" title="Self-regulatory organisations (SROs)" role="menuitem">Self-regulatory organisations (SROs)</a> </li> <li role="presentation"> <a href="/en/supervision/financial-market-infrastructures/" title="Financial market infrastructures" role="menuitem">Financial market infrastructures</a> </li> <li role="presentation"> <a href="/en/supervision/central-mortgage-bond-institutions/" title="Central mortgage bond institutions" role="menuitem">Central mortgage bond institutions</a> </li> <li role="presentation"> <a href="/en/supervision/fintech/" title="FinTech" role="menuitem">FinTech</a> </li> </ul> </div> </div> <div class="g-cell s-1of3 flyout-column-right"> <div class="flyout-column-right-wrap"> <a class="flyout-column-link" href="/en/supervision/banks-and-securities-firms/categorisation/">Risk categories in the banking sector</a> <div class="flyout-column-text">FINMA assigns banks to different risk categories.</div> <a class="flyout-column-link" href="/en/supervision/insurers/categorisation/">Risk categories in the insurance sector</a> <div class="flyout-column-text">FINMA assigns insurers to different risk categories.</div> </div> </div> </li> </ul> </li> <li class="main-list-item js-main-list-item" role="presentation" aria-haspopup="true"> <h2 class="main-list-link js-main-list-link">Enforcement</h2> <ul class="main-flyout js-main-flyout" role="menu" aria-expanded="false"> <li class="g-row" role="presentation"> <div class="g-cell s-1of3 flyout-column-left"> <div class="flyout-column-left-wrap e-text"> <a class="flyout-column-link" href="/en/enforcement/all-about-enforcement/">Enforcing supervisory law</a> <div class="flyout-column-text-box"> <div class="text-image pull-left"> <img src="/~/media/finma/images/menuicons/finma_icon_durchsetzung.png?h=64&iar=0&w=64&hash=DD5B067C17728DE511F0D115D366BC67" alt="Enforcement icon" width="64" height="64" /> </div> <div class="flyout-column-text"><p style="margin: 0cm 0cm 0pt;">Where necessary, FINMA enforces supervisory law using coercive measures under administrative law. Find out about its powers, approach and measures for dealing with violations of the law here.</p></div> </div> </div> </div> <div class="g-cell s-1of3 flyout-column-center"> <div class="flyout-column-center-wrap"> <span class="flyout-column-title">Enforcement topics</span> <ul class="flyout-column-list" role="menu"> <li role="presentation"> <a href="/en/enforcement/all-about-enforcement/" title="All about Enforcement" role="menuitem">All about Enforcement</a> </li> <li role="presentation"> <a href="/en/enforcement/licence-holders/" title="Licence holders" role="menuitem">Licence holders</a> </li> <li role="presentation"> <a href="/en/enforcement/unauthorised-activities/" title="Unauthorised activities" role="menuitem">Unauthorised activities</a> </li> <li role="presentation"> <a href="/en/enforcement/market-supervision/" title="Market supervision" role="menuitem">Market supervision</a> </li> <li role="presentation"> <a href="/en/enforcement/enforcement-tools/" title="Enforcement tools" role="menuitem">Enforcement tools</a> </li> <li role="presentation"> <a href="/en/enforcement/database-for-assessing-fitness-and-propriety-requirements/" title="Database for assessing fitness and propriety requirements" role="menuitem">Database for assessing fitness and propriety requirements</a> </li> <li role="presentation"> <a href="/en/enforcement/recovery-and-resolution/" title="Recovery and resolution" role="menuitem">Recovery and resolution</a> </li> <li role="presentation"> <a href="/en/enforcement/national-and-international-cooperation/" title="National and international cooperation" role="menuitem">National and international cooperation</a> </li> <li role="presentation"> <a href="/en/enforcement/parties-rights-and-obligations/" title="Rights and obligations" role="menuitem">Rights and obligations</a> </li> <li role="presentation"> <a href="/en/enforcement/case-reports-and-court-decisions/" title="Case reports and court decisions" role="menuitem">Case reports and court decisions</a> </li> </ul> </div> </div> <div class="g-cell s-1of3 flyout-column-right"> <div class="flyout-column-right-wrap"> <a class="flyout-column-link" href="/en/documentation/finma-publications/kennzahlen-und-statistiken/statistiken/enforcement/">Enforcement report</a> <div class="flyout-column-text">The enforcement report contains anonymised case studies that offer a more in-depth insight into FINMA’s enforcement activities.</div> <a class="flyout-column-link" href="/en/finma-public/warnungen/">Warning list</a> <div class="flyout-column-text">This is a list of companies and individuals that may be operating without the requisite FINMA authorisation.</div> </div> </div> </li> </ul> </li> <li class="main-list-item js-main-list-item" role="presentation" aria-haspopup="true"> <h2 class="main-list-link js-main-list-link">Documentation</h2> <ul class="main-flyout js-main-flyout" role="menu" aria-expanded="false"> <li class="g-row" role="presentation"> <div class="g-cell s-1of3 flyout-column-left"> <div class="flyout-column-left-wrap e-text"> <a class="flyout-column-link" href="/en/documentation/finma-s-legal-basis/">FINMA’s legal basis</a> <div class="flyout-column-text-box"> <div class="text-image pull-left"> <img src="/~/media/finma/images/menuicons/finma_icon_dokumentation.png?h=64&iar=0&w=64&hash=42C3971FE452D2643DEB60C25197EEC0" alt="Documentation icon" width="64" height="64" /> </div> <div class="flyout-column-text">The financial market laws and the Financial Market Supervision Act provide the basis for FINMA’s activities. FINMA reports in detail on the fulfilment of its aims.</div> </div> </div> </div> <div class="g-cell s-1of3 flyout-column-center"> <div class="flyout-column-center-wrap"> <span class="flyout-column-title">Information on…</span> <ul class="flyout-column-list" role="menu"> <li role="presentation"> <a href="/en/documentation/finma-s-legal-basis/" title="Legal basis for FINMA’s activities" role="menuitem">Legal basis for FINMA’s activities</a> </li> <li role="presentation"> <a href="/en/documentation/legal-basis/" title="Legal basis" role="menuitem">Legal basis</a> </li> <li role="presentation"> <a href="/en/documentation/circulars/" title="Circulars" role="menuitem">Circulars</a> </li> <li role="presentation"> <a href="/en/documentation/consultations/" title="Consultations and evaluations" role="menuitem">Consultations and evaluations</a> </li> <li role="presentation"> <a href="/en/documentation/finma-s-position/" title="FINMA position statements" role="menuitem">FINMA position statements</a> </li> <li role="presentation"> <a href="/en/documentation/finma-guidance/" title="FINMA Guidance" role="menuitem">FINMA Guidance</a> </li> <li role="presentation"> <a href="/en/documentation/finma-publications/" title="FINMA publications" role="menuitem">FINMA publications</a> </li> <li role="presentation"> <a href="/en/documentation/finma-videos/" title="FINMA videos" role="menuitem">FINMA videos</a> </li> <li role="presentation"> <a href="/en/documentation/dossier/" title="Dossiers" role="menuitem">Dossiers</a> </li> <li role="presentation"> <a href="/en/documentation/enforcement-reporting/" title="Enforcement reporting" role="menuitem">Enforcement reporting</a> </li> <li role="presentation"> <a href="/en/documentation/insurance-law-rulings/" title="Insurance law rulings" role="menuitem">Insurance law rulings</a> </li> <li role="presentation"> <a href="/en/documentation/self-regulation/" title="Self-regulation" role="menuitem">Self-regulation</a> </li> <li role="presentation"> <a href="/en/documentation/international-sanctions-and-combating-terrorism/" title="Sanctions and FATF statements" role="menuitem">Sanctions and FATF statements</a> </li> <li role="presentation"> <a href="/en/documentation/archiv/" title="Archive" role="menuitem">Archive</a> </li> </ul> </div> </div> <div class="g-cell s-1of3 flyout-column-right"> <div class="flyout-column-right-wrap"> <a class="flyout-column-link" target="_blank" rel="noopener noreferrer" href="http://www.admin.ch/opc/en/classified-compilation/20052624/index.html">Financial Market Supervision Act</a> <div class="flyout-column-text">The legal basis for FINMA as an authority, setting out its tasks and powers.</div> <a class="flyout-column-link" href="/en/documentation/finma-publications/annual-reports--and-financial-statements/">Annual report and financial statements</a> <div class="flyout-column-text">FINMA gives a full account of its activities in its annual report.</div> </div> </div> </li> </ul> </li> <li class="main-list-item js-main-list-item" role="presentation" aria-haspopup="true"> <h2 class="main-list-link js-main-list-link">FINMA</h2> <ul class="main-flyout js-main-flyout" role="menu" aria-expanded="false"> <li class="g-row" role="presentation"> <div class="g-cell s-1of3 flyout-column-left"> <div class="flyout-column-left-wrap e-text"> <a class="flyout-column-link" href="/en/finma/finma-an-overview/">FINMA – an overview</a> <div class="flyout-column-text-box"> <div class="text-image pull-left"> <img src="/~/media/finma/images/menuicons/finma_icon_behoerde.png?h=64&iar=0&w=64&hash=ED57AB81A75632D24584A132CD7D6DE6" alt="FINMA icon" width="64" height="64" /> </div> <div class="flyout-column-text">As an independent supervisor of the Swiss financial market, FINMA is institutionally, functionally and financially independent.</div> </div> </div> </div> <div class="g-cell s-1of3 flyout-column-center"> <div class="flyout-column-center-wrap"> <span class="flyout-column-title"></span> <ul class="flyout-column-list" role="menu"> <li role="presentation"> <a href="/en/finma/finma-an-overview/" title="FINMA – an overview " role="menuitem">FINMA – an overview </a> </li> <li role="presentation"> <a href="/en/finma/supervisory-objectives/" title="Supervisory objectives" role="menuitem">Supervisory objectives</a> </li> <li role="presentation"> <a href="/en/finma/organisation/" title="Organisation" role="menuitem">Organisation</a> </li> <li role="presentation"> <a href="/en/finma/working-at-finma/" title="Working at FINMA" role="menuitem">Working at FINMA</a> </li> <li role="presentation"> <a href="/en/finma/activities/" title="Activities" role="menuitem">Activities</a> </li> <li role="presentation"> <a href="/en/finma/auditing/" title="Auditing" role="menuitem">Auditing</a> </li> <li role="presentation"> <a href="/en/finma/finma-mandataries/" title="FINMA mandataries" role="menuitem">FINMA mandataries</a> </li> <li role="presentation"> <a 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This brochure illustrates how FINMA meets these criteria.</span></p></div> <a class="flyout-column-link" href="/en/documentation/finma-publications/annual-reports--and-financial-statements/">Annual Report</a> <div class="flyout-column-text">FINMA accounts for its supervisory activities in its annual report and annual financial statements.</div> </div> </div> </li> </ul> </li> <li class="finma-public-item" style="display: block;" role="presentation" aria-haspopup="true"> <a class="e-btn btn-finma-public" role="menuitem" title="FINMA Public" href="/en/finma-public/">FINMA Public</a> </li> </ul> </div> </nav> </div> </header> <div class="l-body l-sub"> <div class="l-background"> </div> <div class="l-content-wrapper l-wrap"> <div class="g-row"> <div class="l-bread"> <div class="mod-breadcrumb"> <ul class="breadcrumb-list"> <li><a href="/en/">Home </a></li> <li><a href="/en/authorisation/">Authorisation </a></li> <li><a href="/en/authorisation/ombudsmen-for-financial-service-providers/">Ombudsmen for financial service providers </a></li> </ul> </div> </div> <div class="g-cell s-flex"> <div class="l-content l-right--left"> <div class="l-main"> <div class="e-text text-heading-underline"> <h1>Ombudsmen for financial service providers</h1> </div> <div class="mod mod-content"> <div class="e-text"> <div class="text-lead-intro">Under the <abbr data-addtext='Requirements for financial institutions that provide financial services and financial instruments' title='Requirements for financial institutions that provide financial services and financial instruments' class="e-text" rel="tooltip">Financial Services Act</abbr> (<abbr data-addtext='Financial Services Act' title='Financial Services Act' class="e-text" rel="tooltip">FinSA</abbr>) which entered into force at the start of 2020, financial service providers must be affiliated to an ombudsman. The ombudsmen must be recognised by the Federal Department of Finance (<abbr data-addtext='Federal Finance Department' title='Federal Finance Department' class="e-text" rel="tooltip">FDF</abbr>).</div> </div> </div> <div class="mod mod-content"> <div class="e-text"> <p>When the <abbr data-addtext='Financial Services Act' title='Financial Services Act' class="e-text" rel="tooltip">FinSA</abbr> entered into force, affiliation to an ombudsman became obligatory for all financial service providers that provide their services in Switzerland – unlike the self-regulatory ombudsman system of the past for banks. The ombudsmen must now be recognised by the <abbr data-addtext='Federal Finance Department' title='Federal Finance Department' class="e-text" rel="tooltip">FDF</abbr> (<a rel="noopener noreferrer" href="https://www.efd.admin.ch/efd/en/home/das-efd/ombudstelle-nach-fidleg.html" target="_blank">FDF list</a>). As in the past, the ombudsmen should settle disputes regarding legal claims between the client and the financial service provider in mediation proceedings. FINMA will monitor the implementation of the affiliation requirement within the scope of its supervisory work.</p><p> </p><p>Regarding the affiliation requirement for financial service providers that serve solely institutional and professional clients, see also the <a rel="noopener noreferrer" href="https://www.sif.admin.ch/en/limitation-ombudsman-affiliation-requirement" target="_blank">specialist information published by the State Secretariat for International Finance (<abbr data-addtext='State Secretariat for International Finance' title='State Secretariat for International Finance' class="e-text" rel="tooltip">SIF</abbr>) on 9 November 2020</a>.<br><br></p> </div> </div> </div> <div class="l-sidebar"> <div class="mod mod-nav-sidebar"> <span class="nav-sidebar-mobile-title js-nav-sidebar-mobile-title">Ombudsstellen fuer Finanzdienstleister</span> <ul class="nav-sidebar-list-level-1"> <li><a href="/en/authorisation/authorisation-overview/" title="Authorisation">Authorisation</a></li> 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