Legal basis The Financial Services Ombudsman (Jersey) Law 2014 and the Financial Services Ombudsman (Bailiwick of Guernsey) Law 2014 each provide for a Financial Ombudsman, independent of the States. The full powers came into effect on 16 November 2015. Channel Islands Financial Ombudsman (CIFO) The Channel Islands Financial Ombudsman (CIFO) is a joint operation of […]