How Do I File A Complaint With The FSC?

How Do I File A Complaint With The FSC?

Step 1:

If you feel you have a valid complaint against an entity regulated by FSC, you should first raise the matter with the entity. This will give them the opportunity to address your issue(s). Each entity   regulated by the FSC is required to have a procedure to deal with complaints.

In order to preserve the record of your complaint, it is highly recommended that you put your complaint in writing and record the names of everyone with whom you dealt with regarding the matter, at the registered financial institution.

Step 2:

If the matter is not resolved to your satisfaction by the registered entity or if you have not received a response within a reasonable timeframe, you may raise the issue with the FSC. Where the company has made a decision, you should request a letter from the company outlining their final position, regarding the matter.

Step 3:

Filing the Complaint with the FSC

Your complaint to the FSC MUST be made in writing and must include the following information:

  1. The name of the regulated entity and/or person against which/whom you are filing the complaint
  2. Complete the details of your complaint - If your complaint is due to your disagreement with the company’s position, you should state the reason(s) for your disagreement
  3. Copies of all relevant correspondence or documents relating to the matter, if available
  4. Your full name, mailing address and a contact number where you can be reached (If someone else will be acting on your behalf, please provide this information of the person)

If you engaged the services of an attorney he/she may also write on your behalf. Additionally, if you are writing on behalf of someone else, please include a letter signed by that person authorizing you to act for him/her. If it is not possible to obtain such authorization then explain the circumstances to us in writing.

Step 4:

How the FSC will handle your complaint

  1. Generally, the FSC will acknowledge your written complaint within five working days of receipt of the written letter.
  2. Your complaints will be investigated normally within ninety (90) days of receipt of all the relevant information necessary to advance the investigative process.
  3. Your complaint will be handled in the strictest confidence. However, in order to address the issue raised, we will have to disclose relevant details to the regulated entity (or person) against which/whom you complained (unless otherwise specified).
  4. As soon as our review is completed, we will write to you outlining our findings as well as any redress available to you.
  5. Please note that if your complaint raises regulatory or prudential concerns, we may take action against a regulated entity (or person).However, we are limited by law in what we can share with you as it relates to the regulatory action(s) or investigation(s) relating to a particular entity.



Please address your complaint to: The Complaints Coordinator Financial Services Commission 39-43 Barbados Avenue Kingston 5

You may also fax your letter of complaint to (876) 926-3919 or send us an email at The FSC does not customarily handle complaints made orally, however, you may contact us via telephone toll free at 1-888-372-4357 or via (876) 906-3010-2 for further information.

Note: - If you are dissatisfied with the outcome of an investigation or the actions of the FSC’s staff during the complaints handling process, you may raise this issue by submitting a written complaint addressed to the Executive Director of the FSC, who will conduct further review and advise you of the FSC’s position.