{"id":8718,"date":"2025-07-02T09:50:51","date_gmt":"2025-07-02T01:50:51","guid":{"rendered":"https:\/\/www.fmos.org.my\/?page_id=8718"},"modified":"2025-07-02T10:08:14","modified_gmt":"2025-07-02T02:08:14","slug":"home-duplicate-573","status":"publish","type":"page","link":"https:\/\/www.fmos.org.my\/en\/home-duplicate-573\/","title":{"rendered":"Home &#8211; Duplicate &#8211; [#573]"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"8718\" class=\"elementor elementor-8718\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c1bcb2e e-con-full e-flex e-con e-parent\" data-id=\"c1bcb2e\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0cddc5d elementor-pagination-type-bullets elementor-arrows-position-inside elementor-pagination-position-outside elementor-widget elementor-widget-n-carousel\" data-id=\"0cddc5d\" data-element_type=\"widget\" data-settings=\"{&quot;carousel_items&quot;:[{&quot;slide_title&quot;:&quot;Slide #1&quot;,&quot;_id&quot;:&quot;4a1c955&quot;},{&quot;slide_title&quot;:&quot;Slide #2&quot;,&quot;_id&quot;:&quot;1da09d8&quot;},{&quot;slide_title&quot;:&quot;Slide #3&quot;,&quot;_id&quot;:&quot;3eef279&quot;},{&quot;slide_title&quot;:&quot;Slide #3&quot;,&quot;_id&quot;:&quot;5085a3f&quot;}],&quot;slides_to_show&quot;:&quot;1&quot;,&quot;slides_to_scroll&quot;:&quot;1&quot;,&quot;slides_to_show_tablet&quot;:&quot;1&quot;,&quot;image_spacing_custom&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;slides_to_show_mobile&quot;:&quot;1&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000,&quot;pause_on_hover&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;infinite&quot;:&quot;yes&quot;,&quot;speed&quot;:500,&quot;offset_sides&quot;:&quot;none&quot;,&quot;arrows&quot;:&quot;yes&quot;,&quot;pagination&quot;:&quot;bullets&quot;,&quot;image_spacing_custom_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;image_spacing_custom_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-carousel swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Carousel\" dir=\"ltr\">\n\t\t\t<div class=\"swiper-wrapper\" aria-live=\"off\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" data-slide=\"1\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"1 of 4\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-308a2bf e-con-full e-flex e-con e-child\" data-id=\"308a2bf\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-2755d96 e-con-full e-flex e-con e-child\" data-id=\"2755d96\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-0b50473 e-con-full e-flex e-con e-child\" data-id=\"0b50473\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6288c09 elementor-widget elementor-widget-spacer\" data-id=\"6288c09\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-375f5cb e-con-full e-flex e-con e-child\" data-id=\"375f5cb\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-afa24bf e-con-full e-flex e-con e-child\" data-id=\"afa24bf\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5450c79 e-con-full e-flex e-con e-child\" data-id=\"5450c79\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a28b28b elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"a28b28b\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInRight&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Your alternative channel for resolution of financial and capital market disputes<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-49f0af7 elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"49f0af7\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" 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>FMOS offers an independent, fair and free dispute resolution service for consumers and investors who are unable to resolve their complaints with financial service providers or capital market intermediaries.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-58c9dd6 e-con-full e-flex e-con e-child\" data-id=\"58c9dd6\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bd6442d elementor-invisible elementor-widget elementor-widget-button\" data-id=\"bd6442d\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.fmos.org.my\/en\/contact-us\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact Us<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\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<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" data-slide=\"2\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"2 of 4\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1cd8413 e-con-full e-flex e-con e-child\" data-id=\"1cd8413\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;video&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-136be0d e-con-full e-flex e-con e-child\" data-id=\"136be0d\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-846d2df e-con-full e-flex e-con e-child\" data-id=\"846d2df\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-886b483 elementor-widget elementor-widget-spacer\" data-id=\"886b483\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5428ecb e-con-full e-flex e-con e-child\" data-id=\"5428ecb\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-f237b85 e-con-full e-flex e-con e-child\" data-id=\"f237b85\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-e0303a8 e-con-full e-flex e-con e-child\" data-id=\"e0303a8\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fa2339d elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"fa2339d\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInRight&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Resolving Disputes,<br>\nMaintaining Trust.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65eebcf elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"65eebcf\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" 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>By consolidating OFS and SIDREC into a single entity with enhanced monetary limits and a commitment to impartiality, FMOS aims to foster greater consumer and investor confidence in the financial markets system.<\/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<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" data-slide=\"3\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"3 of 4\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-69d88dd e-con-full e-flex e-con e-child\" data-id=\"69d88dd\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;video&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-9097e48 e-con-full e-flex e-con e-child\" data-id=\"9097e48\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-efecf62 e-con-full e-flex e-con e-child\" data-id=\"efecf62\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-390aea8 elementor-widget elementor-widget-spacer\" data-id=\"390aea8\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-27c739e e-con-full e-flex e-con e-child\" data-id=\"27c739e\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-7d8c32c e-con-full e-flex e-con e-child\" data-id=\"7d8c32c\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-c3c2873 e-con-full e-flex e-con e-child\" data-id=\"c3c2873\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0bd30d6 elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"0bd30d6\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInRight&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">When to File a Dispute with FMOS<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-20dd5dd elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"20dd5dd\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" 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>If you are dissatisfied with the outcome of your complaint with our Member, you may submit your dispute with FMOS within 6 months of receiving the Member\u2019s final decision.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-df6eb7e e-con-full e-flex e-con e-child\" data-id=\"df6eb7e\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5a5f0ca elementor-invisible elementor-widget elementor-widget-button\" data-id=\"5a5f0ca\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.fmos.org.my\/en\/how-to-file-a-dispute\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Learn More<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\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<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" data-slide=\"4\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"4 of 4\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-87f75f8 e-con-full e-flex e-con e-child\" data-id=\"87f75f8\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;video&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-704bffe e-con-full e-flex e-con e-child\" data-id=\"704bffe\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-ce8d647 e-con-full e-flex e-con e-child\" data-id=\"ce8d647\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9d798c4 elementor-widget elementor-widget-spacer\" data-id=\"9d798c4\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ce58bd3 e-con-full e-flex e-con e-child\" data-id=\"ce58bd3\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-25e68ce e-con-full e-flex e-con e-child\" data-id=\"25e68ce\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-444abd5 e-con-full e-flex e-con e-child\" data-id=\"444abd5\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-169a66e elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"169a66e\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInRight&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">When to File a Dispute with FMOS<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bb7cd7d elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"bb7cd7d\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" 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>If you are dissatisfied with the outcome of your complaint with our Member, you may submit your dispute with FMOS within 6 months of receiving the Member\u2019s final decision.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-799a07a e-con-full e-flex e-con e-child\" data-id=\"799a07a\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4367710 elementor-invisible elementor-widget elementor-widget-button\" data-id=\"4367710\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.fmos.org.my\/en\/how-to-file-a-dispute\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Learn More<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\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<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-prev\" role=\"button\" tabindex=\"0\" aria-label=\"Previous\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-chevron-left\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M646 125C629 125 613 133 604 142L308 442C296 454 292 471 292 487 292 504 296 521 308 533L604 854C617 867 629 875 646 875 663 875 679 871 692 858 704 846 713 829 713 812 713 796 708 779 692 767L438 487 692 225C700 217 708 204 708 187 708 171 704 154 692 142 675 129 663 125 646 125Z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-next\" role=\"button\" tabindex=\"0\" aria-label=\"Next\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-chevron-right\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M696 533C708 521 713 504 713 487 713 471 708 454 696 446L400 146C388 133 375 125 354 125 338 125 325 129 313 142 300 154 292 171 292 187 292 204 296 221 308 233L563 492 304 771C292 783 288 800 288 817 288 833 296 850 308 863 321 871 338 875 354 875 371 875 388 867 400 854L696 533Z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t\t\t\t<div class=\"swiper-pagination\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4879db8 e-flex e-con-boxed e-con e-parent\" data-id=\"4879db8\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1d5967a e-con-full e-flex e-con e-child\" data-id=\"1d5967a\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-10e237c elementor-widget elementor-widget-image\" data-id=\"10e237c\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"64\" height=\"64\" src=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/01\/caution-icon_home.png\" class=\"attachment-full size-full wp-image-1989\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-215a1f1 e-con-full e-flex e-con e-child\" data-id=\"215a1f1\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-75ad810 elementor-widget elementor-widget-text-editor\" data-id=\"75ad810\" 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>Be aware of scams involving financial products and clone entities that misuse regulators logos to appear to be legitimate. Scammers may falsely use these logos to promote fraudulent financial transactions and products. Be cautious of suspicious links, unlicensed investment companies, and fraud activities that could lead to financial losses.<\/p><p>Always verify the legitimacy of the financial products and entities from Bank Negara Malaysia and Securities Commission Malaysia (SC). Stay updated by regularly check <a href=\"https:\/\/fmos.org.my\/scams-investor-alerts\/\"><u>alerts<\/u><\/a>\u00a0on the regulators\u2019 websites.<\/p><p>Protect yourself by staying informed and verifying before making any financial decisions.<\/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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f9a852d e-flex e-con-boxed e-con e-parent\" data-id=\"f9a852d\" 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-5d2fb2a e-con-full e-flex e-con e-child\" data-id=\"5d2fb2a\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-648803c e-con-full e-flex e-con e-child\" data-id=\"648803c\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;video&quot;,&quot;background_video_link&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=l7MFElFTEzQ&quot;,&quot;background_play_on_mobile&quot;:&quot;yes&quot;}\">\n\t\t<div class=\"elementor-background-video-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-video-embed\"><\/div>\n\t\t\t\t\t\t<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d5ef08e e-con-full e-flex e-con e-child\" data-id=\"d5ef08e\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7a9ecc9 elementor-widget elementor-widget-heading\" data-id=\"7a9ecc9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Who We Are<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c290b2d elementor-widget elementor-widget-text-editor\" data-id=\"c290b2d\" 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>FMOS is an independent, impartial and accessible platform that resolves financial and capital market disputes involving direct financial losses. The services of FMOS are free for financial consumers and investors.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-46c687e elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"46c687e\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.fmos.org.my\/en\/who-we-are\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">More About Us<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fca7ee6 e-flex e-con-boxed e-con e-parent\" data-id=\"fca7ee6\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-42f740b animated-slow e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"42f740b\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInDown&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-528c883 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"528c883\" 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>FMOS offers an independent, fair and free dispute resolution service for consumers and investors who are unable to resolve their complaints with financial service providers or capital market intermediaries.<\/p>\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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fc0c025 animated-slow e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"fc0c025\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:3}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2113c6a e-con-full e-flex e-con e-child\" data-id=\"2113c6a\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d88355a elementor-widget-tablet__width-initial elementor-widget__width-inherit jkit-equal-height-disable elementor-widget elementor-widget-jkit_icon_box\" data-id=\"d88355a\" 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___6a04c6a8c5aa4\" ><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=\"128\" height=\"128\" src=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/01\/park-LZYDTX3.png\" class=\"attachment-thumbnail size-thumbnail\" alt=\"Insurance\/ Takaful\" url=\"https:\/\/fmos.org.my\/wp-content\/uploads\/2025\/01\/park-LZYDTX3.png\" source=\"library\" \/><\/div><\/div><div class=\"icon-box icon-box-body\">\n                <h3 class=\"title\">Insurance\/ Takaful<\/h3>\n            <\/div>\n            \n            <\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0ed2c34 e-con-full e-flex e-con e-child\" data-id=\"0ed2c34\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-728ff8c elementor-widget-tablet__width-initial jkit-equal-height-disable elementor-widget elementor-widget-jkit_icon_box\" data-id=\"728ff8c\" 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_6a04c6a8c6910\" ><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=\"128\" height=\"128\" src=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/01\/text-WAL8FYD.png\" class=\"attachment-thumbnail size-thumbnail\" alt=\"Banking, Islamic Banking &amp; Payment Systems\" url=\"https:\/\/fmos.org.my\/wp-content\/uploads\/2025\/01\/text-WAL8FYD.png\" source=\"library\" \/><\/div><\/div><div class=\"icon-box icon-box-body\">\n                <h3 class=\"title\">Banking, Islamic Banking &amp; Payment Systems<\/h3>\n            <\/div>\n            \n            <\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-864d58e e-con-full e-flex e-con e-child\" data-id=\"864d58e\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ad3cfd4 elementor-widget-tablet__width-initial elementor-widget__width-inherit jkit-equal-height-disable elementor-widget elementor-widget-jkit_icon_box\" data-id=\"ad3cfd4\" 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_6a04c6a8c7559\" ><div class=\"jkit-icon-box-wrapper hover-from-left\"><div class=\"icon-box icon-box-header elementor-animation-\"><div class=\"icon style-color\"><img loading=\"lazy\" decoding=\"async\" width=\"128\" height=\"128\" src=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/01\/store-GZC6NJ3.png\" class=\"attachment-thumbnail size-thumbnail\" alt=\"Capital Market\" url=\"https:\/\/fmos.org.my\/wp-content\/uploads\/2025\/01\/store-GZC6NJ3.png\" source=\"library\" \/><\/div><\/div><div class=\"icon-box icon-box-body\">\n                <h3 class=\"title\">Capital Market<\/h3>\n            <\/div>\n            \n            <\/div><\/div>\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\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-619a77b8 e-flex e-con-boxed e-con e-parent\" data-id=\"619a77b8\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6bdc7e04 e-con-full e-flex e-con e-child\" data-id=\"6bdc7e04\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-47122fa2 elementor-widget elementor-widget-heading\" data-id=\"47122fa2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FMOS Dispute Resolution Process \n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7ef16c1c e-con-full e-flex e-con e-child\" data-id=\"7ef16c1c\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4dd0b79e elementor-widget elementor-widget-text-editor\" data-id=\"4dd0b79e\" 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>FMOS adopts a two-stage dispute resolution process. We may use negotiation, conciliation, mediation, and\/or adjudication to resolve a dispute.<\/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<div class=\"elementor-element elementor-element-1b45b23f e-con-full e-flex e-con e-child\" data-id=\"1b45b23f\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-99167dc e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"99167dc\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInLeft&quot;,&quot;animation_delay&quot;:1}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ee24df5 elementor-widget elementor-widget-image\" data-id=\"ee24df5\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"64\" height=\"64\" src=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/01\/success.png\" class=\"attachment-large size-large wp-image-2133\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-620ad52 elementor-widget-tablet__width-initial elementor-widget-mobile__width-auto elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"620ad52\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Case Management Stage\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5183af5 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"5183af5\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7374d8e0 e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"7374d8e0\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInLeft&quot;,&quot;animation_delay&quot;:3}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-99f5995 elementor-widget elementor-widget-image\" data-id=\"99f5995\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"64\" height=\"64\" src=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/01\/law.png\" class=\"attachment-large size-large wp-image-2132\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1cd3559 elementor-widget-tablet__width-initial elementor-widget-mobile__width-auto elementor-widget elementor-widget-heading\" data-id=\"1cd3559\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Adjudication Stage\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-524922ca elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"524922ca\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-583c8540 e-flex e-con-boxed e-con e-parent\" data-id=\"583c8540\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-76be4631 e-flex e-con-boxed e-con e-child\" data-id=\"76be4631\" 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-7b49c6fa elementor-widget elementor-widget-heading\" data-id=\"7b49c6fa\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FMOS Case Studies\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fa1063f elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"fa1063f\" 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>The following are summaries of cases handled by FMOS. The names have been changed to protect confidentiality.<\/p>\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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-151cd1f e-con-full e-flex e-con e-child\" data-id=\"151cd1f\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-71ed409 e-con-full e-flex e-con e-child\" data-id=\"71ed409\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-983bfff e-con-full e-flex e-con e-child\" data-id=\"983bfff\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-67c2b02 elementor-posts__hover-none elementor-grid-1 elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-posts--thumbnail-top elementor-widget elementor-widget-posts\" data-id=\"67c2b02\" data-element_type=\"widget\" data-settings=\"{&quot;cards_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:32,&quot;sizes&quot;:[]},&quot;cards_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:24,&quot;sizes&quot;:[]},&quot;cards_columns&quot;:&quot;1&quot;,&quot;cards_columns_tablet&quot;:&quot;2&quot;,&quot;cards_columns_mobile&quot;:&quot;1&quot;,&quot;cards_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.cards\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-cards elementor-grid\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-5570 post type-post status-publish format-standard has-post-thumbnail hentry category-banking-islamic-banking-payment-systems category-case-studies tag-bank\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/www.fmos.org.my\/en\/unauthorised-transfers-to-e-commerce-platform-2\/\" tabindex=\"-1\" target=\"_blank\"><div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"2084\" height=\"2084\" src=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/Case-Studies-Animations-07.png\" class=\"attachment-full size-full wp-image-5420\" alt=\"\" srcset=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/Case-Studies-Animations-07.png 2084w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/Case-Studies-Animations-07-300x300.png 300w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/Case-Studies-Animations-07-1024x1024.png 1024w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/Case-Studies-Animations-07-150x150.png 150w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/Case-Studies-Animations-07-768x768.png 768w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/Case-Studies-Animations-07-1536x1536.png 1536w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/Case-Studies-Animations-07-2048x2048.png 2048w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/Case-Studies-Animations-07-12x12.png 12w\" sizes=\"(max-width: 2084px) 100vw, 2084px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h5 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/www.fmos.org.my\/en\/unauthorised-transfers-to-e-commerce-platform-2\/\" target=&quot;_blank&quot;>\n\t\t\t\tFacebook Messenger Phishing Scam\t\t\t<\/a>\n\t\t<\/h5>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/www.fmos.org.my\/en\/unauthorised-transfers-to-e-commerce-platform-2\/\" aria-label=\"Read more about Facebook Messenger Phishing Scam\" tabindex=\"-1\" target=\"_blank\">\n\t\t\tRead More \u00bb\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6679e71 e-con-full e-flex e-con e-child\" data-id=\"6679e71\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-e136dc0 e-con-full e-flex e-con e-child\" data-id=\"e136dc0\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ae31435 elementor-posts__hover-none elementor-grid-1 elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-posts--thumbnail-top elementor-widget elementor-widget-posts\" data-id=\"ae31435\" data-element_type=\"widget\" data-settings=\"{&quot;cards_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:32,&quot;sizes&quot;:[]},&quot;cards_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:24,&quot;sizes&quot;:[]},&quot;cards_columns&quot;:&quot;1&quot;,&quot;cards_columns_tablet&quot;:&quot;2&quot;,&quot;cards_columns_mobile&quot;:&quot;1&quot;,&quot;cards_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.cards\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-cards elementor-grid\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-5587 post type-post status-publish format-standard has-post-thumbnail hentry category-case-studies category-insurance-takaful tag-insurance\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/www.fmos.org.my\/en\/medical-hospitalisation-cancer-claim-exclusion\/\" tabindex=\"-1\" target=\"_blank\"><div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"2084\" height=\"2084\" src=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/Case-Studies-Animations-02.png\" class=\"attachment-full size-full wp-image-5425\" alt=\"\" srcset=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/Case-Studies-Animations-02.png 2084w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/Case-Studies-Animations-02-300x300.png 300w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/Case-Studies-Animations-02-1024x1024.png 1024w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/Case-Studies-Animations-02-150x150.png 150w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/Case-Studies-Animations-02-768x768.png 768w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/Case-Studies-Animations-02-1536x1536.png 1536w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/Case-Studies-Animations-02-2048x2048.png 2048w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/Case-Studies-Animations-02-12x12.png 12w\" sizes=\"(max-width: 2084px) 100vw, 2084px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h5 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/www.fmos.org.my\/en\/medical-hospitalisation-cancer-claim-exclusion\/\" target=&quot;_blank&quot;>\n\t\t\t\tMedical &amp; Hospitalisation &#8211; Cancer Claim Exclusion\t\t\t<\/a>\n\t\t<\/h5>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/www.fmos.org.my\/en\/medical-hospitalisation-cancer-claim-exclusion\/\" aria-label=\"Read more about Medical &amp; Hospitalisation &#8211; Cancer Claim Exclusion\" tabindex=\"-1\" target=\"_blank\">\n\t\t\tRead More \u00bb\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-13f0c2a e-con-full e-flex e-con e-child\" data-id=\"13f0c2a\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-16d5061 e-con-full e-flex e-con e-child\" data-id=\"16d5061\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7caa9bb elementor-posts__hover-none elementor-grid-1 elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-posts--thumbnail-top elementor-widget elementor-widget-posts\" data-id=\"7caa9bb\" data-element_type=\"widget\" data-settings=\"{&quot;cards_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:32,&quot;sizes&quot;:[]},&quot;cards_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:24,&quot;sizes&quot;:[]},&quot;cards_columns&quot;:&quot;1&quot;,&quot;cards_columns_tablet&quot;:&quot;2&quot;,&quot;cards_columns_mobile&quot;:&quot;1&quot;,&quot;cards_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.cards\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-cards elementor-grid\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-5613 post type-post status-publish format-standard has-post-thumbnail hentry category-capital-market category-case-studies tag-capital-market\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/www.fmos.org.my\/en\/unit-trust-1-misappropriation-of-funds\/\" tabindex=\"-1\" target=\"_blank\"><div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"2084\" height=\"2084\" src=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/Case-Studies-Animations-latest-20.png\" class=\"attachment-full size-full wp-image-5577\" alt=\"\" srcset=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/Case-Studies-Animations-latest-20.png 2084w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/Case-Studies-Animations-latest-20-300x300.png 300w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/Case-Studies-Animations-latest-20-1024x1024.png 1024w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/Case-Studies-Animations-latest-20-150x150.png 150w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/Case-Studies-Animations-latest-20-768x768.png 768w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/Case-Studies-Animations-latest-20-1536x1536.png 1536w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/Case-Studies-Animations-latest-20-2048x2048.png 2048w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/Case-Studies-Animations-latest-20-12x12.png 12w\" sizes=\"(max-width: 2084px) 100vw, 2084px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h5 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/www.fmos.org.my\/en\/unit-trust-1-misappropriation-of-funds\/\" target=&quot;_blank&quot;>\n\t\t\t\tUnit Trust &#8211; Misappropriation of Funds\t\t\t<\/a>\n\t\t<\/h5>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/www.fmos.org.my\/en\/unit-trust-1-misappropriation-of-funds\/\" aria-label=\"Read more about Unit Trust &#8211; Misappropriation of Funds\" tabindex=\"-1\" target=\"_blank\">\n\t\t\tRead More \u00bb\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-29b9cb7f animated-slow e-flex e-con-boxed elementor-invisible e-con e-parent\" data-id=\"29b9cb7f\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInDown&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-da79d68 e-flex e-con-boxed e-con e-child\" data-id=\"da79d68\" 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-3c4a57c3 elementor-widget elementor-widget-heading\" data-id=\"3c4a57c3\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What\u2019s New at FMOS\n<\/h2>\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<div class=\"elementor-element elementor-element-402fa626 e-flex e-con-boxed e-con e-child\" data-id=\"402fa626\" 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-7c29ef10 elementor-posts__hover-none elementor-grid-3 elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-posts--thumbnail-top elementor-widget elementor-widget-posts\" data-id=\"7c29ef10\" data-element_type=\"widget\" data-settings=\"{&quot;cards_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:32,&quot;sizes&quot;:[]},&quot;cards_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:24,&quot;sizes&quot;:[]},&quot;cards_masonry&quot;:&quot;yes&quot;,&quot;cards_columns&quot;:&quot;3&quot;,&quot;cards_columns_tablet&quot;:&quot;2&quot;,&quot;cards_columns_mobile&quot;:&quot;1&quot;,&quot;cards_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.cards\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-cards elementor-grid\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-10065 post type-post status-publish format-standard has-post-thumbnail hentry category-announcement\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/www.fmos.org.my\/en\/annual-report-2025-is-now-available-copy\/\" tabindex=\"-1\" target=\"_blank\"><div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"2000\" height=\"1333\" src=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2026\/05\/AGM2026-Web-banner-01.jpg\" class=\"attachment-full size-full wp-image-10070\" alt=\"\" srcset=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2026\/05\/AGM2026-Web-banner-01.jpg 2000w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2026\/05\/AGM2026-Web-banner-01-300x200.jpg 300w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2026\/05\/AGM2026-Web-banner-01-1024x682.jpg 1024w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2026\/05\/AGM2026-Web-banner-01-768x512.jpg 768w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2026\/05\/AGM2026-Web-banner-01-1536x1024.jpg 1536w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2026\/05\/AGM2026-Web-banner-01-18x12.jpg 18w\" sizes=\"(max-width: 2000px) 100vw, 2000px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/www.fmos.org.my\/en\/annual-report-2025-is-now-available-copy\/\" target=&quot;_blank&quot;>\n\t\t\t\tFMOS 21st Annual General Meeting\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>We are pleased to announce the inaugural release of the\t\t<\/div>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/www.fmos.org.my\/en\/annual-report-2025-is-now-available-copy\/\" aria-label=\"Read more about FMOS 21st Annual General Meeting\" tabindex=\"-1\" target=\"_blank\">\n\t\t\tRead More \u00bb\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-9856 post type-post status-publish format-standard has-post-thumbnail hentry category-announcement\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/www.fmos.org.my\/en\/annual-report-2025-is-now-available\/\" tabindex=\"-1\" target=\"_blank\"><div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"2000\" height=\"1333\" src=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2026\/04\/AR2025-Release-Web-Banner-02.jpg\" class=\"attachment-full size-full wp-image-9857\" alt=\"\" srcset=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2026\/04\/AR2025-Release-Web-Banner-02.jpg 2000w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2026\/04\/AR2025-Release-Web-Banner-02-300x200.jpg 300w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2026\/04\/AR2025-Release-Web-Banner-02-1024x682.jpg 1024w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2026\/04\/AR2025-Release-Web-Banner-02-768x512.jpg 768w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2026\/04\/AR2025-Release-Web-Banner-02-1536x1024.jpg 1536w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2026\/04\/AR2025-Release-Web-Banner-02-18x12.jpg 18w\" sizes=\"(max-width: 2000px) 100vw, 2000px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/www.fmos.org.my\/en\/annual-report-2025-is-now-available\/\" target=&quot;_blank&quot;>\n\t\t\t\tAnnual Report 2025 is Now Available\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>We are pleased to announce the inaugural release of the\t\t<\/div>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/www.fmos.org.my\/en\/annual-report-2025-is-now-available\/\" aria-label=\"Read more about Annual Report 2025 is Now Available\" tabindex=\"-1\" target=\"_blank\">\n\t\t\tRead More \u00bb\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-9789 post type-post status-publish format-standard has-post-thumbnail hentry category-announcement\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/www.fmos.org.my\/en\/fmos-welcomes-ms-pushpa-a-p-s-k-nair-as-independent-director\/\" tabindex=\"-1\" target=\"_blank\"><div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"2001\" height=\"1333\" src=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2026\/04\/New-Directors-Announcement_Pushpa_Web-Banner.jpg\" class=\"attachment-full size-full wp-image-9783\" alt=\"\" srcset=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2026\/04\/New-Directors-Announcement_Pushpa_Web-Banner.jpg 2001w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2026\/04\/New-Directors-Announcement_Pushpa_Web-Banner-300x200.jpg 300w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2026\/04\/New-Directors-Announcement_Pushpa_Web-Banner-1024x682.jpg 1024w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2026\/04\/New-Directors-Announcement_Pushpa_Web-Banner-768x512.jpg 768w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2026\/04\/New-Directors-Announcement_Pushpa_Web-Banner-1536x1023.jpg 1536w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2026\/04\/New-Directors-Announcement_Pushpa_Web-Banner-18x12.jpg 18w\" sizes=\"(max-width: 2001px) 100vw, 2001px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/www.fmos.org.my\/en\/fmos-welcomes-ms-pushpa-a-p-s-k-nair-as-independent-director\/\" target=&quot;_blank&quot;>\n\t\t\t\tFMOS Welcomes Ms Pushpa A\/P S K Nair as Independent Director\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>FMOS is pleased to welcome Ms Pushpa A\/P S K\t\t<\/div>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/www.fmos.org.my\/en\/fmos-welcomes-ms-pushpa-a-p-s-k-nair-as-independent-director\/\" aria-label=\"Read more about FMOS Welcomes Ms Pushpa A\/P S K Nair as Independent Director\" tabindex=\"-1\" target=\"_blank\">\n\t\t\tRead More \u00bb\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\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<div class=\"elementor-element elementor-element-2a3a26ca e-flex e-con-boxed elementor-invisible e-con e-parent\" data-id=\"2a3a26ca\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1b38f603 e-flex e-con-boxed e-con e-child\" data-id=\"1b38f603\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5776c172 e-con-full e-flex e-con e-child\" data-id=\"5776c172\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-102825d0 elementor-widget elementor-widget-heading\" data-id=\"102825d0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">File your complaint with FMOS<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f0b6edc elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"4f0b6edc\" 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>Do you have a dispute against your financial service provider or capital market intermediary?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bdc7d15 elementor-widget elementor-widget-button\" data-id=\"bdc7d15\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">File a Complaint<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\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\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c8b9043 e-flex e-con-boxed e-con e-parent\" data-id=\"c8b9043\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-92ec905 e-con-full e-flex e-con e-child\" data-id=\"92ec905\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-de5f887 elementor-widget elementor-widget-heading\" data-id=\"de5f887\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Our Partners &amp; Associates:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a59d074 e-con-full e-flex e-con e-child\" data-id=\"a59d074\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cea6b8e elementor-skin-carousel elementor-widget elementor-widget-media-carousel\" data-id=\"cea6b8e\" data-element_type=\"widget\" data-settings=\"{&quot;slides_per_view&quot;:&quot;4&quot;,&quot;space_between&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:17,&quot;sizes&quot;:[]},&quot;skin&quot;:&quot;carousel&quot;,&quot;effect&quot;:&quot;slide&quot;,&quot;speed&quot;:500,&quot;autoplay&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000,&quot;loop&quot;:&quot;yes&quot;,&quot;pause_on_hover&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;space_between_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;space_between_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]}}\" data-widget_type=\"media-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper\">\n\t\t\t\t\t<div class=\"elementor-main-swiper swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Slides\">\n\t\t\t\t<div class=\"swiper-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.bnm.gov.my\/\">\t\t<div class=\"elementor-carousel-image\" role=\"img\" aria-label=\"Logo Bank Negara Malaysia\" style=\"background-image: url(&#039;https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/04\/Logo-Bank-Negara-Malaysia.png&#039;)\">\n\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t<\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.sc.com.my\/\">\t\t<div class=\"elementor-carousel-image\" role=\"img\" aria-label=\"SC logo\" style=\"background-image: url(&#039;https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/SC-logo.png&#039;)\">\n\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t<\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.networkfso.org\/\">\t\t<div class=\"elementor-carousel-image\" role=\"img\" aria-label=\"INFO-logo\" style=\"background-image: url(&#039;https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/01\/INFO-logo.png&#039;)\">\n\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t<\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.fenetwork.my\/\">\t\t<div class=\"elementor-carousel-image\" role=\"img\" aria-label=\"FEN logo\" style=\"background-image: url(&#039;https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/FEN-logo.png&#039;)\">\n\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t<\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/aibim.com\/\">\t\t<div class=\"elementor-carousel-image\" role=\"img\" aria-label=\"AIBIM logo\" style=\"background-image: url(&#039;https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/AIBIM-logo.png&#039;)\">\n\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t<\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/piam.org.my\/\">\t\t<div class=\"elementor-carousel-image\" role=\"img\" aria-label=\"PIAM logo\" style=\"background-image: url(&#039;https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/PIAM-logo.png&#039;)\">\n\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t<\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.akpk.org.my\/?latest-updates=all\">\t\t<div class=\"elementor-carousel-image\" role=\"img\" aria-label=\"AKPK logo\" style=\"background-image: url(&#039;https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/AKPK-logo.png&#039;)\">\n\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t<\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.pidm.gov.my\/en\">\t\t<div class=\"elementor-carousel-image\" role=\"img\" aria-label=\"PIDM logo\" style=\"background-image: url(&#039;https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/PIDM-logo.png&#039;)\">\n\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t<\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.liam.org.my\/\">\t\t<div class=\"elementor-carousel-image\" role=\"img\" aria-label=\"LIAM logo\" style=\"background-image: url(&#039;https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/LIAM-logo.png&#039;)\">\n\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t<\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/enroll.malaysiantakaful.com.my\/%20\">\t\t<div class=\"elementor-carousel-image\" role=\"img\" aria-label=\"MTA logo\" style=\"background-image: url(&#039;https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/MTA-logo.png&#039;)\">\n\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t<\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.abm.org.my\/\">\t\t<div class=\"elementor-carousel-image\" role=\"img\" aria-label=\"ABM logo\" style=\"background-image: url(&#039;https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/ABM-logo-1.png&#039;)\">\n\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t<\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/adfim.com.my\/\">\t\t<div class=\"elementor-carousel-image\" role=\"img\" aria-label=\"ADFIM logo\" style=\"background-image: url(&#039;https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/ADFIM-logo.png&#039;)\">\n\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t<\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.bixmalaysia.com\/\">\t\t<div class=\"elementor-carousel-image\" role=\"img\" aria-label=\"BIX logo\" style=\"background-image: url(&#039;https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/BIX-logo.png&#039;)\">\n\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t<\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.bursamalaysia.com\/\">\t\t<div class=\"elementor-carousel-image\" role=\"img\" aria-label=\"Bursa Malaysia logo\" style=\"background-image: url(&#039;https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/Bursa-Malaysia-logo.png&#039;)\">\n\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t<\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.fimm.com.my\/\">\t\t<div class=\"elementor-carousel-image\" role=\"img\" aria-label=\"FIMM-logo copy\" style=\"background-image: url(&#039;https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/01\/FIMM-logo-copy.png&#039;)\">\n\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t<\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.ppa.my\/\">\t\t<div class=\"elementor-carousel-image\" role=\"img\" aria-label=\"ppa-logo\" style=\"background-image: url(&#039;https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/01\/ppa-logo.png&#039;)\">\n\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t<\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\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\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Your alternative channel for resolution of financial and capital market disputes FMOS offers an independent, fair and free dispute resolution service for consumers and investors who are unable to resolve their complaints with financial service providers or capital market intermediaries. Contact Us Resolving Disputes, Maintaining Trust. By consolidating OFS and SIDREC into a single entity [&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-8718","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>FMOS - Financial Markets Ombudsman Service<\/title>\n<meta name=\"description\" content=\"&quot;FMOS, formed by the consolidation of OFS and SIDREC, provides a fair and efficient alternative dispute resolution channel in Malaysia for financial and capital market disputes involving direct monetary losses.&quot;\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fmos.org.my\/en\/home-duplicate-573\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FMOS - Financial Markets Ombudsman Service\" \/>\n<meta property=\"og:description\" content=\"&quot;FMOS, formed by the consolidation of OFS and SIDREC, provides a fair and efficient alternative dispute resolution channel in Malaysia for financial and capital market disputes involving direct monetary losses.&quot;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fmos.org.my\/en\/home-duplicate-573\/\" \/>\n<meta property=\"og:site_name\" content=\"FMOS\" \/>\n<meta property=\"article:modified_time\" content=\"2025-07-02T02:08:14+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/01\/caution-icon_home.png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.fmos.org.my\/en\/home-duplicate-573\/\",\"url\":\"https:\/\/www.fmos.org.my\/en\/home-duplicate-573\/\",\"name\":\"FMOS - Financial Markets Ombudsman Service\",\"isPartOf\":{\"@id\":\"https:\/\/www.fmos.org.my\/en\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.fmos.org.my\/en\/home-duplicate-573\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.fmos.org.my\/en\/home-duplicate-573\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/01\/caution-icon_home.png\",\"datePublished\":\"2025-07-02T01:50:51+00:00\",\"dateModified\":\"2025-07-02T02:08:14+00:00\",\"description\":\"\\\"FMOS, formed by the consolidation of OFS and SIDREC, provides a fair and efficient alternative dispute resolution channel in Malaysia for financial and capital market disputes involving direct monetary losses.\\\"\",\"breadcrumb\":{\"@id\":\"https:\/\/www.fmos.org.my\/en\/home-duplicate-573\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.fmos.org.my\/en\/home-duplicate-573\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.fmos.org.my\/en\/home-duplicate-573\/#primaryimage\",\"url\":\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/01\/caution-icon_home.png\",\"contentUrl\":\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/01\/caution-icon_home.png\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.fmos.org.my\/en\/home-duplicate-573\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.fmos.org.my\/en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Home &#8211; 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