It is vital to the success of the Ombud that it is, and is perceived to be independent of the Credit Industry over which it has jurisdiction. The structure of the Office ensures that the Office alone decides whether a credit grantor or Credit Bureau has acted unfairly or unreasonably when investigating a complaint. There must be no undue influence in this process by Credit Grantors, Credit Bureaux, consumers, or any other party.

To ensure this independence, the Credit Information Ombud reports to the Credit Information Ombud Council and not to the Credit industry. The council is represented by four (4) constituencies: Consumer Bodies, Credit Granting industry, Credit Bureau industry and Business.

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