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Act Act No. 37 of 2004 Application Authority commencement Composition Composition of Council Council decisions Declaration Definitions entertain certain complaints Establishment exemptions Expenditure financial instititution Financial Services Ombud Schemes Act, 2004 Financial Services Ombud Schemes Council Functions of Jurisdiction Meetings members Prescription Prohibition Prohibition and exemptions recognition recognition by scheme recognition of scheme registrar Regulations reinstatement Remuneration Report of Ombud Requirements saving of rights service fees Short title statutory ombud Suspension Term of office Vacating of office withdrawal