The Financial Ombudsman Service (FOS) was established in 2008 to resolve disputes between Australian consumers and financial service providers. This article outlines the role of FOS in resolving disputes under the statutory protections for Australians in financial hardship. This article also sets out the results of a study of data collected by FOS in relation to financial hardship disputes resolved between 2010 and 2014. This data highlights the importance of FOS in a context where most disputes are resolved outside the courts, particularly in the aftermath of the global financial crisis, when the number of financial hardship disputes rose significantly.

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澳大利亚金融申诉专员服务：分析其在解决经济困难纠纷中的作用

Financial Ombudsman Service (FOS) 成立于 2008 年，旨在解决澳大利亚消费者与金融服务提供商之间的纠纷。本文概述了 FOS 在解决经济困难澳大利亚人的法定保护下的纠纷中的作用。本文还列出了 FOS 收集的与 2010 年至 2014 年间解决的财务困难纠纷相关的数据的研究结果。这些数据强调了 FOS 在大多数纠纷在法庭外解决的背景下的重要性，特别是在事后解决全球金融危机期间，金融困境纠纷数量大幅上升。