Part XVI

The Ombudsman Scheme

The scheme

Compulsory jurisdiction.
226
1
A complaint which relates to an act or omission of a person (“the respondent”) in carrying on an activity to which compulsory jurisdiction rules apply is to be dealt with under the ombudsman scheme if the conditions mentioned in subsection (2) are satisfied.
2
The conditions are that—
a
the complainant is eligible and wishes to have the complaint dealt with under the scheme;
b
the respondent was an authorised person or an electronic money issuer within the meaning of the Electronic Money Regulations 2011 , or a payment service provider within the meaning of the Payment Services Regulations 2017, at the time of the act or omission to which the complaint relates; and
c
the act or omission to which the complaint relates occurred at a time when compulsory jurisdiction rules were in force in relation to the activity in question.
3
“Compulsory jurisdiction rules” means rules—
a
made by the FCA for the purposes of this section; and
b
specifying the activities to which they apply.
4
Only activities which are regulated activities, or which could be made regulated activities by an order under section 22, may be specified.
5
Activities may be specified by reference to specified categories (however described).
5A
If the
FCA
specifies activities which are account information services provided by authorised payment institutions or
EEA authorised payment institutions
, the
FCA
must specify to the same extent account information services provided by registered account information service providers or, as the case may be,
EEA registered account information service provider
s.
5B
Expressions used in subsection (5A) and in the Payments Services Regulations 2017 have the same meaning in that subsection as they do in those Regulations.
6
A complainant is eligible, in relation to the compulsory jurisdiction of the ombudsman scheme, if he falls within a class of person specified in the rules as eligible.
7
The rules—
a
may include provision for persons other than individuals to be eligible; but
b
may not provide for authorised persons to be eligible except in specified circumstances or in relation to complaints of a specified kind.
7A
The rules must provide that a person within subsection (7B) is eligible in relation to a complaint to which subsection (7C) applies.
7B
A person is within this subsection if he or she has been identified by a respondent, in carrying on an activity to which the rules apply, as—
a
a politically exposed person;
b
a family member of a politically exposed person; or
c
a known close associate of a politically exposed person.
7C
This subsection applies to a complaint—
a
that the complainant has been incorrectly identified as a person within subsection (7B); or
b
relating to an act or omission of the respondent in consequence of the identification of the complainant as a person within subsection (7B).
7D
In subsection (7B), “politically exposed person”, “family member” and “known close associate” have the meanings given in regulation
35(12)
of the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017.
8
The jurisdiction of the scheme which results from this section is referred to in this Act as the “compulsory jurisdiction”.
S. 226 extended (19.7.2001 for specified purposes otherwise 1.12.2001) by S.I. 2001/2326, arts. 1(1), 3(1); S.I. 2001/3538, art. 2(1)
S. 226 wholly in force at 1.12.2001; s. 226 not in force at Royal Assent see s. 431(2); s. 226 in force for specified purposes at 18.6.2001 by S.I. 2001/1820, art. 2, Sch.; s. 226 in force in so far as not already in force at 1.12.2001 by S.I. 2001/3538, art. 2(1)
S. 226(2) excluded (19.7.2001 for specified purposes otherwise 1.12.2001) by S.I. 2001/2326, arts. 1(1), 2(4); S.I. 2001/3538, art. 2(1)
Pt. XVI applied (1.5.2009 for certain purposes and 1.11.2009 otherwise) by The Payment Services Regulations 2009 (S.I. 2009/209), regs. 1(2), 125 (with reg. 3)
Words in s. 226(2)(b) inserted (2.3.2009 for certain purposes, 1.5.2009 for certain further purposes and 1.11.2009 otherwise) by The Payment Services Regulations 2009 (S.I. 2009/209), regs. 1(2), 126, Sch. 6 para. 1(1)(a) (with reg. 3)
Words in s. 226(2)(b) inserted (9.2.2011for certain purposes and 30.4.2011otherwise) by The Electronic Money Regulations 2011 (S.I. 2011/99), regs. 1(2)(a)(xv)(b), 79, Sch. 4 para. 2(3)(a) (with reg. 3)
Pt. XVI applied (30.4.2011) by The Electronic Money Regulations 2011 (S.I. 2011/99), reg. 76(2) (with reg. 3)
Pt. XVI applied (with modifications) (1.1.2016) by The Small and Medium Sized Business (Finance Platforms) Regulations 2015 (S.I. 2015/1946), regs. 1(2), 14
Word in s. 226(2)(b) substituted (13.1.2018) by The Payment Services Regulations 2017 (S.I. 2017/752), reg. 1(6), Sch. 8 para. 2(4)(a) (with reg. 3)
Pt. XVI applied (with modifications) (20.4.2015 for specified purposes, 21.12.2015 for specified purposes, 21.3.2016 in so far as not already in force) by The Mortgage Credit Directive Order 2015 (S.I. 2015/910), arts. 1(5), 26 (with Pt. 4)
S. 226(5A)(5B) inserted (13.1.2018) by The Payment Services Regulations 2017 (S.I. 2017/752), reg. 1(6), Sch. 8 para. 2(4)(b) (with reg. 3)
Word in s. 226(3)(a) substituted (24.1.2013 for specified purposes, 1.4.2013 in so far as not already in force) by Financial Services Act 2012 (c. 21), s. 122(3), Sch. 11 para. 1 (with Sch. 20); S.I. 2013/113, art. 2(1)(c), Sch. Pt. 3; S.I. 2013/423, art. 3, Sch.
Pt. XVI applied (with modifications) (1.1.2016) by The Small and Medium Sized Business (Credit Information) Regulations 2015 (S.I. 2015/1945), regs. 1(2), 17(1)
S. 226(7A)-(7D) inserted (26.6.2017) by The Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017 (S.I. 2017/692), reg. 1(2), Sch. 7 para. 3(2) (with regs. 8, 15)
S. 226(2)(b)(c) excluded (28.1.2021 for specified purposes, 30.7.2022 in so far as not already in force) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) Order 2021 (S.I. 2021/90), arts. 1(2)(3), 7(5)