(1) The FCA must maintain arrangements designed to enable payment service users and other interested parties to submit complaints to it that -
(a) a requirement imposed by or under Parts 2 to 7 of these Regulations has been breached by a payment service provider or
(b) a requirement imposed by or under section 312R of the 2000 Act has been breached by an authorised payment institution, small payment institution, or registered account information services provider.
(2) Where it considers it appropriate, the FCA 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).