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Financial Services Tribunal Reference

What this page covers

The Tribunal is where a decision by the FSCA, the Prudential Authority or an ombud can be taken for reconsideration. It is not a court and it does not retry the facts from scratch.

30 daysto apply
Freeno application fee
4kinds of outcome
High Courtfurther appeal
What can be taken there
DecisionByReviewable
Administrative penaltyFSCAYes
DebarmentFSCA or an FSPYes
Licence refusal, suspension or withdrawalFSCAYes
A directiveFSCAYes
An ombud determinationFAIS Ombud and othersYes
Prudential decisionPrudential AuthorityYes
How it works
ItemRule
Time limitThirty days from the decision or its reasons
StandingA person aggrieved by the decision
First stepAsk the decision maker for reasons
SuspensionThe decision may be suspended pending reconsideration
CostNo fee to apply
RepresentationLegal representation allowed, not required
What it can decide
OutcomeEffect
Uphold the decisionIt stands
Set it asideThe decision falls away
Remit itSent back to the decision maker to redo
Substitute itOnly in limited circumstances
Further appealTo the High Court on a question of law

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How these figures work

The figures on this page come from the body that publishes them and change on a schedule rather than continuously, which is what makes them worth keeping in one place. A debarment is the decision most often taken to the Tribunal, usually by a representative debarred by their own employer rather than by the FSCA.

The Tribunal publishes its decisions, which makes them a useful record of how the regulator's powers are actually being applied.

★ What this means in practice

Thirty days is short. Someone intending to challenge a decision needs to ask for reasons immediately rather than waiting.

✕ Common mistakes

  • A debarment is the decision most often taken to the Tribunal, usually by. A debarment is the decision most often taken to the Tribunal, usually by a representative debarred by their own employer rather than by the FSCA.
  • The Tribunal publishes its decisions, which makes them a useful record o. The Tribunal publishes its decisions, which makes them a useful record of how the regulator's powers are actually being applied.
  • Thirty days is short. Thirty days is short. Someone intending to challenge a decision needs to ask for reasons immediately rather than waiting.
  • Taking a figure without its date. A number from a reference page is only as good as when it was last checked, which is why the date sits at the top of this one.

Notes on reading these figures

  • A debarment is the decision most often taken to the Tribunal, usually by a representative debarred by their own employer rather than by the FSCA.
  • The Tribunal publishes its decisions, which makes them a useful record of how the regulator's powers are actually being applied.
  • Thirty days is short. Someone intending to challenge a decision needs to ask for reasons immediately rather than waiting.

To put these figures to work, The FSCA Enforcement and Penalties runs the arithmetic on your own numbers; FSCA Debarment Register covers the same ground in ordinary language; Ombudsman Schemes goes into the detail this table only summarises; FAIS Ombud Complaint Process is the related figure worth reading beside it; and South African Financial Laws covers what this page leaves out.

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Terms used on this page

Definitions
Reconsideration
The Tribunal's review of a decision, not a fresh trial.
Decision maker
The FSCA, Prudential Authority or ombud whose decision is reviewed.
Remittal
Sending a decision back to be taken again properly.
Suspension
Putting a decision on hold pending reconsideration.
Standing
Being a person aggrieved, and so entitled to apply.

Frequently asked questions

What does the Tribunal do?

It reconsiders decisions by the FSCA, the Prudential Authority and the ombud schemes. It is not a court and does not retry the facts.

How long do I have to apply?

Thirty days from the decision or from receiving its reasons. That is a hard limit.

What does it cost?

Nothing to apply. Legal representation is allowed but not required.

What can it decide?

Uphold the decision, set it aside, send it back to be retaken, or in limited cases substitute its own.

Which decisions are taken there most often?

Debarments, usually by a representative debarred by their own employer rather than by the FSCA.

Can I appeal further?

To the High Court, on a question of law.