Consumer Protection


Financial consumer protection is one of the important policy objectives pursued by central banks and financial regulators around the globe. There is growing consensus amongst global policy makers that achieving financial inclusion and stability hinges on enhancing the consumers’ confidence in the financial system. With the emergence of globalization, technological advancement and financial innovation, consumer protection has become even more challenging in today’s financial world.

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 Complaint Resolution:

The State Bank of Pakistan (SBP) has instructed all banks, Microfinance banks (MFBs) and Development Finance Institutions (DFIs) to put in place “Consumer Grievance Handling Mechanism (CGHM)” for efficient resolution of consumers’ complaints and grievances.

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 Unclaimed Deposits:

A debt payable in Pakistan currency or any other currency is owing by a banking company by reason of a deposit, not being a deposit in the name of a minor or a Government or a court of law, at a branch of the banking company in respect of which no transaction has taken place and no statement of account has been requested or acknowledged by the creditor during a period of ten years are considered as unclaimed deposits.

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