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Annual Report

An annual report is a financial report issued by COSL to its Members stating the company’s financial performance and other company specific issues.

COSL Annual Reports

Annual review of operations

A yearly review of the operations of COSL, which includes complaint data, enquiry statistics, case studies and other statistical reports.

Annual review of operations

Consumer Brochure (pdf)

About COSL

The Credit Ombudsman Service (COSL) offers consumers an accessible, independent and fair dispute resolution (EDR) service, approved by the Australian Securities and Investments Commission (ASIC).

COSL has over 14,500 participating Members who operate in a variety of financial service sectors. Members include credit unions, building societies, non-bank lenders, mortgage and finance brokers, financial planners, investment managers, debt services and a wide range of other financial services and product providers.

Our aim is to provide consumers with a free and impartial dispute resolution service as an alternative to legal proceedings for resolving complaints with their financial service and product providers.

Find a particpating financial service provider on our homepage

Making a complaint to COSL is free for consumers.

Becoming a Member is easy; download our Member Brochure to see the benefits.

Complaint FAQsComplaint Process