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Issue 16 - January 2014

The FOS Approach to the 2013 Code of Banking Practice


We publish the FOS Approach to help make it as easy as possible for everyone to understand how we consider disputes about particular issues. This includes the different elements we will consider and the relevant Codes, legal principles, obligations and industry best practice that we will apply. We want to share this knowledge so that everyone can learn from the thousands of disputes we see each year.

The latest document in this series talks about the 2013 Code of Banking Practice, and sets out the way we take the Code into account when we consider disputes. The Code is a voluntary code of practice that Australian financial services providers can choose to adopt. We consider the Code represents good industry practice and generally reflects the common law obligations of financial services providers.

You can read our whole Approach to the 2013 Code of Banking Practice here.

Visit to see all the available FOS Approach documents.