Credit Ombudsman Service

Australia's Credit Ombudsman Service, or COSL, is an industry ombudsman established in 2003 as a result of the Mortgage & Finance Association of Australia ('MFAA') self-regulation and the then increasing interest in non-bank lending. The Credit Ombudsman Service is the largest External Dispute Resolution (EDR) scheme in Australia by its number of members, totaling over 10,000 . It aims to help settle disputes between consumers and Australian-based businesses providing financial and credit services which include:

  • Credit providers
  • Credit representatives
  • Fund managers
  • Credit unions
  • Building societies
  • Leasing companies
  • Micro-lenders
  • mortgage brokers
  • non-bank lenders
  • mortgage managers
  • mortgage originators
  • aggregators
  • wholesale funders
  • securitisation trustees
  • housing co-operatives
  • mortgage insurers
  • finance brokers

Read more about Credit Ombudsman ServiceHistory, Complaints Process, See Also

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