Consumer grievance handling mechanism is a crucial element of fair treatment of consumer regime. In order to provide affordable, accessible, fair, accountable and efficient grievance redressal to the customers of licensed credit bureaus, State Bank of Pakistan has devised guidelines on dispute resolution mechanism.


        The guidelines attached herewith will be effective from October 01, 2021. The licensed credit bureaus are required to comply with the instructions in letter and spirit and submit the complaints data on formats given in the guidleines. The first reporting in this respect will start from January 2022.

Annexure: Dispute Resolution Mechanism for Licensed Credit Bureaus