The FCA has published the Small Business (Eligible Complainant) Instrument 2018. The instrument contains the final rules to extend the access to the Financial Ombudsman Service (FOS) to more small and medium-sized enterprises (SMEs), larger charities and trusts, and a new category of personal guarantors. The final rules will appear in the FCA’s Dispute Resolution sourcebook (DISP) and come into force on 1 April 2019.