/akn/my/act/pua/2024/472

PERATURAN-PERATURAN PERKHIDMATAN KEWANGAN (SKIM OMBUDSMAN KEWANGAN) (PINDAAN) 2024

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Type: P.U. (A)
Status: In force
Enacted: 2024
Sections: 12

Quick answer

About this p.u. (a)

PERATURAN-PERATURAN PERKHIDMATAN KEWANGAN (SKIM OMBUDSMAN KEWANGAN) (PINDAAN) 2024 is Malaysia P.U. (A), cited as P.U. (A) 472 2024, currently marked in force and first recorded in 2024.

Opening note

Preamble

PADA menjalankan kuasa yang diberikan oleh seksyen 260 Akta Perkhidmatan Kewangan 2013 [Akta 758], Menteri, atas syor Bank, membuat peraturan-peraturan yang berikut: Nama dan permulaan kuat kuasa

Seksyen 1

(1)

Peraturan-peraturan ini bolehlah dinamakan Peraturan-Peraturan

Perkhidmatan Kewangan (Skim Ombudsman Kewangan) (Pindaan) 2024.

(2)

Peraturan-Peraturan ini mula berkuat kuasa pada 1 Januari 2025.

Pindaan peraturan 2

Seksyen 2

Peraturan-Peraturan

Perkhidmatan

Kewangan

(Skim

Ombudsman

Kewangan) 2015 [P.U. (A) 211/2015], yang disebut “Peraturan-Peraturan ibu” dalam

(a)

dengan menggantikan takrif “ombudsman” dengan takrif yang berikut:

‘ “ombudsman” ertinya mana-mana orang yang dilantik oleh lembaga pengarah pengendali skim untuk mengadjudikasi pertikaian yang dirujuk kepada skim ombudsman kewangan yang diluluskan, termasuk mana-mana orang lain yang memiliki pengetahuan adjudikasi dan pengetahuan khas yang mendalam bagi jenis pertikaian yang dirujuk kepada skim ombudsman kewangan yang diluluskan;’; dan

(b)

dalam takrif “pengendali skim”, dengan menggantikan perkataan

“Akta Syarikat 1965 [Akta 125]” dengan perkataan “Akta Syarikat 2016

[Akta 777]”.

Pindaan peraturan 3

Seksyen 3

Peraturan-Peraturan ini, dipinda dalam peraturan 2—

Subperaturan 3(3) Peraturan-Peraturan ibu dipinda dengan menggantikan perkataan “terma rujukan yang diluluskan” dengan perkataan “dokumen konstituen yang diluluskan”.

Seksyen 4

Pindaan peraturan 4

(a)

dengan memasukkan selepas perenggan (c) perenggan yang berikut:

“(ca)

dokumen konstituen yang dicadangkan adalah mengikut subperaturan 7(2) dan telus;”

(b)

dalam perenggan

(d)

, dengan menggantikan perkatan

“subperaturan 7(2)” dengan perkataan “subperaturan 7(3)”; dan

(c)

dengan memasukkan selepas perenggan (d) perenggan yang berikut:

“(da)

terma rujukan yang dicadangkan boleh diakses oleh semua anggota dan pengguna;”.

Pindaan peraturan 5

Seksyen 5

Perenggan 5(2)(d) Peraturan-Peraturan ibu dipinda dengan memasukkan selepas perkataan “secara bertulis” perkataan “melalui suatu surat atau e-mel”.

Seksyen 6

Pindaan peraturan 6

Subperenggan 6(1)(e)(ii) Peraturan-Peraturan ibu dipinda dengan menggantikan perkataan “dokumen konstituennya” dengan perkataan “dokumen konstituennya yang diluluskan”.

Seksyen 7

Penggantian peraturan 7

Peraturan-Peraturan ibu dipinda dengan menggantikan peraturan 7 dengan peraturan yang berikut:

“Dokumen konstituen dan terma rujukan skim ombudsman kewangan yang diluluskan 7.

(1)

Pengendali skim hendaklah mengemukakan dokumen konstituen dan terma rujukan skim ombudsman kewangan yang diluluskan untuk kelulusan

Bank sebelum mengendalikan skim ombudsman kewangan yang diluluskan.

(2)

Kandungan dokumen konstituen yang disebut di bawah subperaturan (1) hendaklah termasuk—

(a)

tatacara keanggotaan, termasuk hal keadaan pemberhentian keanggotaan itu;

(b)

fi langganan dan fi atau caj lain yang kena dibayar oleh suatu anggota atau mana-mana golongan anggota, termasuk fi berlainan yang boleh dikenakan terhadap golongan anggota yang berlainan; dan

(c)

tatacara bagi memastikan pematuhan kepada terma keanggotaan jika berlaku apa-apa kemungkiran terhadap terma keanggotaan itu.

(3)

Kandungan terma rujukan yang disebut di bawah subperaturan (1)

hendaklah termasuk—

(a)

jenis pertikaian yang boleh dirujuk kepada skim ombudsman kewangan yang diluluskan; dan

(b)

proses penyelesaian pertikaian skim ombudsman kewangan yang diluluskan termasuk—

(i)

tatacara dan tempoh masa bagi suatu anggota memberikan apa-apa dokumen dan maklumat sebagaimana yang dikehendaki bagi maksud

penyelesaian pertikaian yang dirujuk kepada skim ombudsman kewangan yang diluluskan;

(ii)

tatacara dan tempoh masa bagi suatu anggota untuk mematuhi apa-apa award yang diberikan di bawah skim ombudsman kewangan yang diluluskan;

(iii)

kategori pengadu yang layak;

(iv)

jenis award yang boleh diberi berkenaan dengan suatu pertikaian;

(v)

tatacara dan tempoh masa bagi suatu pertikaian dirujuk kepada skim ombudsman kewangan yang diluluskan;

(vi)

hal keadaan yang suatu pertikaian boleh enggan diterima atau ditolak;

(vii)

hal keadaan dan tempoh masa bagi pengantaraan atau adjudikasi suatu pertikaian di bawah skim ombudsman kewangan yang diluluskan; dan

(viii)

tatacara bagi memastikan pengadu yang layak dan anggota mematuhi pada setiap masa kewajipan kerahsiaan sebagaimana yang diperuntukkan dalam peraturan 15.

(4)

Pengendali skim hendaklah mengendalikan skim ombudsman kewangan yang diluluskan mengikut dokumen konstituen dan terma rujukan yang diluluskan.

(5)

Tiada pindaan boleh dibuat kepada dokumen konstituen dan terma rujukan yang diluluskan tanpa—

(a)

rundingan terdahulu dengan anggota; dan

(b)

kelulusan bertulis terdahulu Bank.

(6)

Pengendali skim hendaklah menyiarkan dokumen konstituen yang diluluskan, terma rujukan yang diluluskan dan apa-apa pindaan kepada dokumen konstituen dan terma rujukan yang diluluskan itu dalam laman sesawang pengendali skim atau dalam apa-apa bentuk dan cara lain sebagaimana yang ditentukan oleh Bank.”.

Pindaan peraturan 10

Seksyen 8

Subperaturan 10(2) Peraturan-Peraturan ibu dipinda—

(a)

dalam perenggan

(a)

, dengan menggantikan perkataan

“dokumen konstituennya” dengan perkataan “dokumen konstituennya yang diluluskan”;

(b)

dalam perenggan

(d)

, dengan menggantikan perkataan

“dokumen konstituennya” dengan perkataan “dokumen konstituennya yang diluluskan itu”;

(c)

dalam perenggan (g), dengan memotong perkataan “dan” di hujung perenggan itu;

(d)

dalam perenggan (h), dengan menggantikan noktah di hujung perenggan itu dengan koma bertindih; dan

(e)

dengan memasukkan selepas perenggan (h) perenggan yang berikut:

“(i)

menyediakan tatacara untuk mengadakan sesi penglibatan tetap dengan pihak berkepentingan, termasuk anggota, dengan tujuan untuk mendapatkan maklum balas dan persetujuan mengenai keutamaan strategik skim ombudsman kewangan yang diluluskan; dan

(j)

menyediakan tatacara bagi pengenalpastian dan pelaporan berkala mengenai apa-apa percanggahan dan ketidakselarasan dalam dasar sedia ada yang mentadbir anggota.”.

Pemotongan peraturan 14

Seksyen 9

Peraturan-Peraturan ibu dipinda dengan memotong peraturan 14.

Seksyen 10

Pindaan peraturan 18

(a)

dalam perenggan

(2)

(a)

, dengan menggantikan perkataan

“sebagaimana yang dinyatakan dalam Jadual Ketiga” dengan perkataan

“dua ratus lima puluh ribu ringgit”; dan

(b)

dalam subperaturan (4) dengan menggantikan perkataan “sebagaimana yang dinyatakan dalam Jadual Ketiga” di mana-mana jua terdapat dengan perkataan “dua ratus lima puluh ribu ringgit”.

Pemotongan Jadual Ketiga

Seksyen 11

Peraturan-Peraturan ibu dipinda dengan memotong Jadual Ketiga.

Dibuat 31 Disember 2024

[BNM/JUN/1125/35/41; PN(PU2)718/JLD.7]

DATUK SERI AMIR HAMZAH BIN AZIZAN

Menteri Kewangan II

FINANCIAL SERVICES ACT 2013

FINANCIAL SERVICES (FINANCIAL OMBUDSMAN SCHEME)

(AMENDMENT) REGULATIONS 2024

Opening note

Preamble

IN exercise of the powers conferred by section 260 of the Financial Services Act 2013 [Act 758], the Minister, on the recommendation of the Bank, makes the following regulations: Citation and commencement 1.

(1)

These regulations may be cited as the

Financial

Services

(Financial Ombudsman Scheme) (Amendment) Regulations 2024.

(2)

These Regulations come into operation on 1 January 2025.

Amendment of regulation 2 2.

The Financial Services (Financial Ombudsman Scheme) Regulations 2015

[P.U. (A) 211/2015], which are referred to as the “principal Regulations” in these

Regulations, is amended in regulation 2—

(a)

by substituting for the definition of “ombudsman” the following definition:

‘ “ombudsman” means any person appointed by the board of directors of the scheme operator to adjudicate disputes referred to the approved financial ombudsman scheme, including any other person who possess knowledge of adjudication and extensive specialised knowledge for the types of dispute referred to the approved financial ombudsman scheme;’; and

(b)

in the definition of “scheme operator”, by substituting for the words

“Companies Act 1965 [Act 125]” the words “Companies Act 2016

[Act 777]”.

Amendment of regulation 3 3.

Subregulation 3(3) of the principal Regulations is amended by substituting for the words “approved terms of reference” the words “approved constituent documents”.

Amendment of regulation 4 4.

Subregulation 4(1) of the principal Regulations is amended—

(a)

by inserting after paragraph (c) the following paragraph:

“(ca)

the proposed constituent documents are in accordance with subregulation 7(2) and transparent;

(b)

in paragraph (d), by substituting for the words “subregulation 7(2)”

the words “subregulation 7(3)”; and

(c)

by inserting after paragraph (d) the following paragraph:

“(da)

the proposed terms of reference are accessible to all members and consumers;”.

Amendment of regulation 5 5.

Paragraph 5(2)(d) of the principal Regulations is amended by inserting after the words “in writing” the words “through a letter or an e-mail”.

Amendment of regulation 6 6.

Subparagraph 6(1)(e)(ii) of the principal Regulations is amended by substituting for the words “its constituent documents” the words “its approved constituent documents”.

Substitution of regulation 7 7.

The principal Regulations are amended by substituting for regulation 7

the following regulation:

“Constituent documents and terms of reference of approved financial ombudsman scheme 7.

(1)

The scheme operator shall submit the constituent documents and the terms of reference of the approved financial ombudsman scheme for the approval of the Bank before operating the approved financial ombudsman scheme.

(2)

The content of the constituent documents which is referred to under subregulation (1) shall include—

(a)

the procedures for membership, including the circumstances of the cessation of the membership;

(b)

the subscription fee and other fees or charges payable by a member or any class of members, including the different fees chargeable to different classes of members; and

(c)

the procedures for ensuring compliance to the terms of membership if there is any breach of the terms of membership.

(3)

The content of the terms of reference which is referred to in subregulation (1) shall include—

(a)

the types of disputes which may be referred to the approved financial ombudsman scheme; and

(b)

the dispute resolution process of the approved financial ombudsman scheme including—

(i)

the procedures and time period for a member to provide any document and information as required for the purpose of resolving a dispute referred to

the approved financial ombudsman scheme;

(ii)

the procedures and time period for a member to comply with any award granted under the approved financial ombudsman scheme;

(iii)

the category of eligible complainants;

(iv)

the types of awards that may be granted with respect to a dispute;

(v)

the procedures and time period for a dispute to be referred to the approved financial ombudsman scheme;

(vi)

the circumstances under which a dispute may be refused or dismissed;

(vii)

the circumstances and time period for mediation or adjudication of a dispute under the approved financial ombudsman scheme; and

(viii)

the procedures to ensure that the eligible complainant and the member comply at all times with the duty of confidentiality as provided in regulation 15.

(4)

The scheme operator shall operate the approved financial ombudsman scheme in accordance with the approved constituent documents and terms of reference.

(5)

No amendment shall be made to the approved constituent documents or terms of reference without—

(a)

prior consultation with the members; and

(b)

prior written approval of the Bank.

(6)

The scheme operator shall publish the approved constituent documents, the approved terms of reference and any amendment to such approved constituent documents and the terms of reference in the scheme operator’s website or in such other form and manner as may be specified by the Bank.”.

Amendment of regulation 10 8.

Subregulation 10(2) of the principal Regulations is amended—

(a)

in paragraph (a), by subsituting for the words “its constituent documents” the words “its approved constituent documents”;

(b)

in paragraph (d), by subsituting for the words “the constituent documents” the words “the approved constituent documents”;

(c)

in paragraph (g), by deleting the word “and” at the end of the paragraph;

(d)

in paragraph (h), by substituting for the full stop at the end of the paragraph semi colon; and

(e)

by inserting after paragraph (h) the following paragraphs:

“(i)

having in place procedures to conduct regular engagements with stakeholders, including members, with a view to obtain feedback and concurrence on the strategic priorities of the approved financial ombudsman scheme; and

(j)

having in place procedures for identification and periodical reporting on any discrepancy and inconsistency in existing policies governing the members.”.

Deletion of regulation 14 9.

The principal Regulations are amended by deleting regulation 14.

Amendment of regulation 18 11.

Regulation 18 of the principal Regulations is amended—

(a)

in paragraph (2)(a), by substituting for the words “as set out in the Third

Schedule” the words “of two hundred fifty thousand ringgit”; and

(b)

in subregulation (4), by substituting for the words “as set out in the Third

Schedule” wherever appearing the words “of two hundred fifty thousand ringgit”.

Deletion of Third Schedule

Seksyen 12

The principal Regulations are amended by deleting the Third Schedule.

Made 31 December 2024

[BNM/JUN/1125/35/41; PN(PU2)718/JLD.7]

DATUK SERI AMIR HAMZAH BIN AZIZAN

Finance Minister II

Common questions

What is PERATURAN-PERATURAN PERKHIDMATAN KEWANGAN (SKIM OMBUDSMAN KEWANGAN) (PINDAAN) 2024?: PERATURAN-PERATURAN PERKHIDMATAN KEWANGAN (SKIM OMBUDSMAN KEWANGAN) (PINDAAN) 2024 is Malaysia P.U. (A), cited as P.U. (A) 472 2024, currently marked in force and first recorded in 2024.
Is PERATURAN-PERATURAN PERKHIDMATAN KEWANGAN (SKIM OMBUDSMAN KEWANGAN) (PINDAAN) 2024 still in force?: Yes — PERATURAN-PERATURAN PERKHIDMATAN KEWANGAN (SKIM OMBUDSMAN KEWANGAN) (PINDAAN) 2024 is currently in force.
When did PERATURAN-PERATURAN PERKHIDMATAN KEWANGAN (SKIM OMBUDSMAN KEWANGAN) (PINDAAN) 2024 take effect?: PERATURAN-PERATURAN PERKHIDMATAN KEWANGAN (SKIM OMBUDSMAN KEWANGAN) (PINDAAN) 2024 was first recorded in 2024.
How many sections does PERATURAN-PERATURAN PERKHIDMATAN KEWANGAN (SKIM OMBUDSMAN KEWANGAN) (PINDAAN) 2024 have?: PERATURAN-PERATURAN PERKHIDMATAN KEWANGAN (SKIM OMBUDSMAN KEWANGAN) (PINDAAN) 2024 contains 12 sections.
Where can I read the official version of PERATURAN-PERATURAN PERKHIDMATAN KEWANGAN (SKIM OMBUDSMAN KEWANGAN) (PINDAAN) 2024?: The official text of PERATURAN-PERATURAN PERKHIDMATAN KEWANGAN (SKIM OMBUDSMAN KEWANGAN) (PINDAAN) 2024 is published at lom.agc.gov.my.