(1) The Authority must maintain arrangements designed to enable electronic money holders and other interested parties to submit complaints to it that -
(a) a requirement imposed by or under Part 5 of these Regulations has been breached by an electronic money issuer, or
(b) a requirement imposed by or under section 312R of the 2000 Act has been breached by an electronic money institution.
(2) Where it considers it appropriate, the Authority must include in any reply to a complaint under paragraph (1) details of the ombudsman scheme established under Part 16 of the 2000 Act (the ombudsman scheme).