{"id":2335,"date":"2025-01-31T07:43:52","date_gmt":"2025-01-31T07:43:52","guid":{"rendered":"https:\/\/fmos.org.my\/?page_id=2335"},"modified":"2025-07-14T17:53:33","modified_gmt":"2025-07-14T09:53:33","slug":"our-scope","status":"publish","type":"page","link":"https:\/\/www.fmos.org.my\/en\/our-scope\/","title":{"rendered":"Our Scope"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2335\" class=\"elementor elementor-2335\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6f74844f e-flex e-con-boxed e-con e-parent\" data-id=\"6f74844f\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5590ece0 e-flex e-con-boxed e-con e-child\" data-id=\"5590ece0\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b229784 elementor-icon-list--layout-inline elementor-align-left elementor-widget__width-inherit elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"b229784\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Home<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Dispute Resolution<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Our Scope<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-834d959 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"834d959\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-7a49f2c\" data-id=\"7a49f2c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-eac6905 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"eac6905\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-3b7242b\" data-id=\"3b7242b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9cf0040 elementor-nav-menu--dropdown-tablet elementor-nav-menu__text-align-aside elementor-nav-menu--toggle elementor-nav-menu--burger elementor-widget elementor-widget-nav-menu\" data-id=\"9cf0040\" data-element_type=\"widget\" data-settings=\"{&quot;layout&quot;:&quot;vertical&quot;,&quot;submenu_icon&quot;:{&quot;value&quot;:&quot;&lt;svg class=\\&quot;e-font-icon-svg e-fas-caret-down\\&quot; viewBox=\\&quot;0 0 320 512\\&quot; xmlns=\\&quot;http:\\\/\\\/www.w3.org\\\/2000\\\/svg\\&quot;&gt;&lt;path d=\\&quot;M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\\&quot;&gt;&lt;\\\/path&gt;&lt;\\\/svg&gt;&quot;,&quot;library&quot;:&quot;fa-solid&quot;},&quot;toggle&quot;:&quot;burger&quot;}\" data-widget_type=\"nav-menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<nav aria-label=\"Menu\" class=\"elementor-nav-menu--main elementor-nav-menu__container elementor-nav-menu--layout-vertical e--pointer-background e--animation-fade\">\n\t\t\t\t<ul id=\"menu-1-9cf0040\" class=\"elementor-nav-menu sm-vertical\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-921\"><a href=\"https:\/\/www.fmos.org.my\/en\/who-can-file-a-dispute\/\" class=\"elementor-item\">Who Can File A Dispute<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-2340\"><a href=\"https:\/\/www.fmos.org.my\/en\/our-scope\/\" class=\"elementor-item\">Our Scope<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-2395\"><a href=\"https:\/\/www.fmos.org.my\/en\/how-to-file-a-dispute\/\" class=\"elementor-item\">How to File a Dispute<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-3635\"><a href=\"https:\/\/www.fmos.org.my\/en\/dispute-resolution-process\/\" class=\"elementor-item\">Dispute Resolution Process<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-2396\"><a href=\"https:\/\/www.fmos.org.my\/en\/faq\/\" class=\"elementor-item\">FAQ<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t<div class=\"elementor-menu-toggle\" role=\"button\" tabindex=\"0\" aria-label=\"Menu Toggle\" aria-expanded=\"false\">\n\t\t\t<svg aria-hidden=\"true\" role=\"presentation\" class=\"elementor-menu-toggle__icon--open e-font-icon-svg e-eicon-menu-bar\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M104 333H896C929 333 958 304 958 271S929 208 896 208H104C71 208 42 237 42 271S71 333 104 333ZM104 583H896C929 583 958 554 958 521S929 458 896 458H104C71 458 42 487 42 521S71 583 104 583ZM104 833H896C929 833 958 804 958 771S929 708 896 708H104C71 708 42 737 42 771S71 833 104 833Z\"><\/path><\/svg><svg aria-hidden=\"true\" role=\"presentation\" class=\"elementor-menu-toggle__icon--close e-font-icon-svg e-eicon-close\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M742 167L500 408 258 167C246 154 233 150 217 150 196 150 179 158 167 167 154 179 150 196 150 212 150 229 154 242 171 254L408 500 167 742C138 771 138 800 167 829 196 858 225 858 254 829L496 587 738 829C750 842 767 846 783 846 800 846 817 842 829 829 842 817 846 804 846 783 846 767 842 750 829 737L588 500 833 258C863 229 863 200 833 171 804 137 775 137 742 167Z\"><\/path><\/svg>\t\t<\/div>\n\t\t\t\t\t<nav class=\"elementor-nav-menu--dropdown elementor-nav-menu__container\" aria-hidden=\"true\">\n\t\t\t\t<ul id=\"menu-2-9cf0040\" class=\"elementor-nav-menu sm-vertical\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-921\"><a href=\"https:\/\/www.fmos.org.my\/en\/who-can-file-a-dispute\/\" class=\"elementor-item\" tabindex=\"-1\">Who Can File A Dispute<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-2340\"><a href=\"https:\/\/www.fmos.org.my\/en\/our-scope\/\" class=\"elementor-item\" tabindex=\"-1\">Our Scope<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-2395\"><a href=\"https:\/\/www.fmos.org.my\/en\/how-to-file-a-dispute\/\" class=\"elementor-item\" tabindex=\"-1\">How to File a Dispute<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-3635\"><a href=\"https:\/\/www.fmos.org.my\/en\/dispute-resolution-process\/\" class=\"elementor-item\" tabindex=\"-1\">Dispute Resolution Process<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-2396\"><a href=\"https:\/\/www.fmos.org.my\/en\/faq\/\" class=\"elementor-item\" tabindex=\"-1\">FAQ<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-34fab41\" data-id=\"34fab41\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cad054b e-con-full e-flex e-con e-child\" data-id=\"cad054b\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-49761e0 elementor-widget elementor-widget-text-editor\" data-id=\"49761e0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4 style=\"color: #1f1454;\">Our Jurisdiction<\/h4><p>FMOS accepts disputes with direct financial losses not exceeding <span style=\"color: #3347fe;\">RM250,000<\/span> for the following products and services provided by our Members:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-8e03f5c elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8e03f5c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-21634f4\" data-id=\"21634f4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-907266d elementor-widget__width-initial jkit-equal-height-disable elementor-widget elementor-widget-jkit_icon_box\" data-id=\"907266d\" data-element_type=\"widget\" data-widget_type=\"jkit_icon_box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-icon-box icon-position- elementor-animation- jeg_module___6a14b81c03e36\" ><div class=\"jkit-icon-box-wrapper hover-from-left\"><div class=\"icon-box icon-box-header elementor-animation-\"><div class=\"icon style-color\"><img decoding=\"async\" width=\"64\" height=\"64\" src=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/bank-1.png\" class=\"attachment-full size-full\" alt=\"\" url=\"https:\/\/fmos.org.my\/wp-content\/uploads\/2025\/03\/bank-1.png\" source=\"library\" srcset=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/bank-1.png 64w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/bank-1-12x12.png 12w\" sizes=\"(max-width: 64px) 100vw, 64px\" \/><\/div><\/div><div class=\"icon-box icon-box-body\">\n                \n            <\/div>\n            \n            <\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-dcdac82\" data-id=\"dcdac82\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8208850 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"8208850\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<style><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><br \/>\n    ul.custom-bullet li::marker {<br \/>\n        color: #3347FE;<br \/>\n    }<br \/>\n<\/style>\n<ul class=\"custom-bullet\">\n \t<li>Banking, Islamic banking, digital banking, and payment instrument products and services such as loans and advances, Islamic finances, misselling, and unauthorised transactions via ATM, debit\/credit card, internet banking, or e-money.<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-043f7a8 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"043f7a8\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-a334303\" data-id=\"a334303\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8778524 elementor-widget__width-initial jkit-equal-height-disable elementor-widget elementor-widget-jkit_icon_box\" data-id=\"8778524\" data-element_type=\"widget\" data-widget_type=\"jkit_icon_box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-icon-box icon-position- elementor-animation- jeg_module__1_6a14b81c0517e\" ><div class=\"jkit-icon-box-wrapper hover-from-left\"><div class=\"icon-box icon-box-header elementor-animation-\"><div class=\"icon style-color\"><img decoding=\"async\" width=\"64\" height=\"64\" src=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/save-money.png\" class=\"attachment-full size-full\" alt=\"\" url=\"https:\/\/fmos.org.my\/wp-content\/uploads\/2025\/03\/save-money.png\" source=\"library\" srcset=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/save-money.png 64w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/save-money-12x12.png 12w\" sizes=\"(max-width: 64px) 100vw, 64px\" \/><\/div><\/div><div class=\"icon-box icon-box-body\">\n                \n            <\/div>\n            \n            <\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-04b94e4\" data-id=\"04b94e4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-350b396 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"350b396\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><style><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><br \/>    ul.custom-bullet li::marker {<br \/>        color: #3347FE;<br \/>    }<br \/><\/style><\/p><ul class=\"custom-bullet\"><li>Insurance\/takaful claims on life, medical, motor, travel, and third-party property damage claims.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-bf39c58 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bf39c58\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-9bd5b1b\" data-id=\"9bd5b1b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f59613a elementor-widget__width-initial jkit-equal-height-disable elementor-widget elementor-widget-jkit_icon_box\" data-id=\"f59613a\" data-element_type=\"widget\" data-widget_type=\"jkit_icon_box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-icon-box icon-position- elementor-animation- jeg_module__2_6a14b81c06291\" ><div class=\"jkit-icon-box-wrapper hover-from-left\"><div class=\"icon-box icon-box-header elementor-animation-\"><div class=\"icon style-color\"><img decoding=\"async\" width=\"64\" height=\"64\" src=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/safety.png\" class=\"attachment-full size-full\" alt=\"\" url=\"https:\/\/fmos.org.my\/wp-content\/uploads\/2025\/03\/safety.png\" source=\"library\" srcset=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/safety.png 64w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/safety-12x12.png 12w\" sizes=\"(max-width: 64px) 100vw, 64px\" \/><\/div><\/div><div class=\"icon-box icon-box-body\">\n                \n            <\/div>\n            \n            <\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-7b92082\" data-id=\"7b92082\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8342901 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"8342901\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><style><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><br \/>    ul.custom-bullet li::marker {<br \/>        color: #3347FE;<br \/>    }<br \/><\/style><\/p><ul class=\"custom-bullet\"><li>Capital market products such as securities including shares, unit trusts, warrants, retail bonds, structured products such as structured warrants etc., derivatives (e.g., futures or options) and Private Retirement Schemes (PRS) or through the carrying out of fund management activities.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-58a77c0 e-con-full e-flex e-con e-child\" data-id=\"58a77c0\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0bb5d1a elementor-widget elementor-widget-text-editor\" data-id=\"0bb5d1a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<style>\n    ul li::marker {\n        color: #3347FE; \/* This will change only the bullet color *\/\n    }\n<\/style>\n\n<h4 style=\"color: #1f1454;\"><strong>Complaints we cannot handle<\/strong><\/h4>\nThe following disputes fall outside the scope of FMOS:<br><br>\n<ul>\n    <li>Claims exceeding the monetary limit of RM250,000.<\/li>\n    <li>General\/product pricing, fees and charges, product features, credit\/margin\/underwriting, loan\/financing restructuring or rescheduling applications, i.e., commercial decisions.<\/li>\n    <li>Disputes filed in court, referred to arbitration or decided by a court or arbitrator.<\/li>\n    <li>Disputes referred 6 months after the date of the Member\u2019s final decision.<\/li>\n    <li>Disputes exceeding the limitation periods under the Limitation Act 1953, Limitation Ordinance (Sabah) (Cap. 72) and Limitation Ordinance (Sarawak) (Cap. 49).<\/li>\n    <li>Disputes with a final\/binding decision from FMOS (or its Predecessor Scheme) unless new material evidence emerges that may affect the earlier decision.<\/li>\n    <li>Disputes concerning the performance of a financial or capital market product or investment save, except for any alleged non-disclosure or misrepresentation\/mis-selling by the Member.<\/li>\n    <li>Disputes involving more than one Complainant have been referred to FMOS without the consent of the other Complainant, and FMOS finds it would be inappropriate to deal with the dispute without the other Complainant\u2019s.<\/li>\n    <li>Disputes involving claims arising from third-party bodily injury or death.<\/li>\n    <li>Disputes against a Member where a winding up order has been made, or where the Member has been declared financially insolvent by a court of law or has been the subject of a declaration of an event of default pursuant to the Capital Market Compensation Fund Corporation rules.<\/li>\n    <li>A dispute involving matters under investigation by the Authorities where they have issued a directive under the Regulations to FMOS not to proceed with the Dispute Resolution Process.<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Home Dispute Resolution Our Scope Our Jurisdiction FMOS accepts disputes with direct financial losses not exceeding RM250,000 for the following products and services provided by our Members: Banking, Islamic banking, digital banking, and payment instrument products and services such as loans and advances, Islamic finances, misselling, and unauthorised transactions via ATM, debit\/credit card, internet banking, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-2335","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What FMOS Can and Cannot Handle | FMOS Malaysia<\/title>\n<meta name=\"description\" content=\"Learn which financial disputes in Malaysia fall under FMOS jurisdiction and those we can\u2019t handle. 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