FIN-NET is a network for financial out-of-court dispute resolution. Launched by the European Commission in 2001, FIN-NET provides a fast, inexpensive and easy way to resolve your cross-border dispute with a financial services provider.

The network is composed of national agencies that deal with out-of-court processing of claims and whose countries are part of the European Economic Area. This includes the member states of the European Union plus Iceland, Liechtenstein and Norway.

The FIN-NET agencies are competent for disputes between consumers and providers of financial services.In Luxembourg, the FIN-NET is situated within the Commission de Surveillance du Secteur Financier (CSSF).

How does FIN-NET work?

Before submitting a complaint to the national agency of FIN-NET, you should write a letter to the financial institution. If it does not respond or if its reply is unsatisfactory, file your complaint to FIN-NET.

The decisions of the members of FIN-NET are not binding. If you find the outcome of the out-of-court proceedings not satisfying, you can appeal to the courts.

On http://ec.europa.eu/internal_market/fin-net/index_en.htmyou will find a complaint form you can send to:

Commission de Surveillance du Secteur Financier (CSSF)
110, route d’Arlon
Tel: 352/26 251 326
Fax: 352 / 26251601
Email:
sg@cssf.lu
Website:
www.cssf.lu