Earlier Terms of Reference

Up until 31 December 2009, we operated under five different TOR that were modified versions of the documents that governed the operations of our predecessor schemes. These earlier TOR continue to apply to disputes that were lodged with us, or transferred to us by one of our predecessors, before 1 January 2010. This is stated in the current TOR and explained in the Operational Guidelines. Links to earlier TOR are provided below.

» Terms of Reference - Banking & Finance

» Terms of Reference - General Insurance

» Terms of Reference - Insurance Broking

» Terms of Reference - Investments, Life Insurance & Superannuation

» Terms of Reference - Mutuals

The Banking & Financial Services Ombudsman (BFSO) and Credit Union Dispute Resolution Centre (CUDRC) produced separate publications entitled "Guidelines to the Terms of Reference" which provide guidance on the Banking & Finance and the Mutuals Terms of Reference respectively. These guidelines have not been updated for some time and will remain in their current form pending the finalisation of existing Disputes which are subject to those Terms of Reference. View and download the BFSO Guidelines or the CUDRC Guidelines.