The Moroccan Centre for Banking Mediation CMMB «المركز المغربي للوساطة البنكية», whose statutes were adopted at the constituent General Assembly held on 26 June 2013 in Casablanca, is constituted as a non-profit organization.
Our Governance
The Moroccan Center for Banking Mediation is ruled by three authorities:
• The Board of Directors
• The Executive Commitee
• The Ombudsman / CMMB Director
Mediation is an amicable procedure for litigation resolution, by which two parties ask a third party, the Ombudsman, to help them reach an agreement to end their dispute or prevent judicial litigation.
The Ombudsman is neutral in the conflict and independent of the parties. By the mediation process, the Ombudsman fosters the exchange of views and attempts to bring the parties to explore solutions acceptable to them.
Mediation is an alternative mode of dispute settlement for conflicts embedded in the Moroccan Code of Civil Procedure (Conventional Mediation).
The Banking Mediation is designed as a contractual and voluntary process looking for an agreed solution between Credit Institutions and their Clients on the occasion of a dispute between them (see the two measures provided for this purpose).
The Banking Mediation promotes the reconciliation of parties’ views to take advantage of acceptable solutions and allows carrying on existing business relations before the outbreak of the dispute.
The Banking Mediation allows negotiation between the parties, assisted by a neutral and independent Ombudsman well versed in the processes and trained in Mediation techniques.
Understand the Mediation Process
Stakeholders of Banking Mediation
Field of Competence
Are eligible for CMMB Mediation disputes relating to the management of:
• current accounts;
• deposit accounts;
• savings accounts;
• and means of payment.
The Steps of Referral to the Ombudsman
Application submission
File review for admissibility
Information of Credit Institutions - Opportunity to review their position
Working Mediation: Reconciliation of views
Conclusion: proposals of the solutions by the Ombudsman
Closure of Mediation
Frequently Asked Questions
How to refer the CMMB?
By mail, by email, or by handing in to the CMMB. The client’s request for mediation must bring out the nature of the dispute, the facts and his claims with all supporting documents needed *.
* Personal data is protected according to law 09-08
Suite à notre entretien téléphonique, je tiens à vous remercier très chaleureusement de la diligence dont vous avez fait preuve et de l’intérêt que vous avez porté au traitement de ma demande de médiation; Je suis agréablement étonné et surpris de l’efficacité de votre intervention qui a influencé de dénouement de cette situation fort délicate. Grâce à vous, le problème est désormais résolu et je vous en suis très reconnaissant.
Nous voudrions témoigner à Monsieur Le Médiateur et son collaborateur notre reconnaissance et notre satisfaction pour leur médiation, sans laquelle, notre litige avec notre banque qui a duré trois années, ne serait pas encore réglé. Merci infiniment pour la célérité avec laquelle vous avez traité notre dossier. Veuillez agréer Monsieur le Médiateur nos salutations les plus respectueuses.
Je souhaite par ce témoignage rendre hommage et remercier Monsieur le Directeur du Centre Marocain de Médiation Bancaire ainsi que ses équipes, qui ont su apporter une réponse positive et efficace à notre demande de médiation dans le cadre d’un dossier resté en suspens près de deux années. Le Centre de Médiation Bancaire, de par son implication et celle de son Directeur, ont su créer les conditions d’une discussion sereine et constructive permettant à chacune des parties de faire valoir son point de vue, éléments à l’appui, et d’aboutir , dans un délai très court, à un accord.