FSCL - Financial Services Complaints Limited is an independent, non-profit organization in New Zealand that resolves disputes between consumers and financial services providers. It offers free, fair, and independent dispute resolution services, handling complaints related to financial hardship, miscommunication, fraud, and more[1][3]. FSCL's target audience includes consumers and financial service providers in New Zealand. Its unique selling proposition is providing accessible and effective dispute resolution, ensuring fairness and accountability in the financial sector[2][3]. FSCL is one of four such schemes in New Zealand, operating under the Financial Service Providers (Registration and Dispute Resolution) Act 2008[3][5].