@article{matcham_2026_fos,
  author  = {William Matcham},
  title   = {Institutional Design of Misconduct Redress: Evidence from the Financial Ombudsman},
  journal = {SSRN Working Paper},
  year    = {2026},
  note = {{\newline \texttt{https://ssrn.com/abstract=6308658}}}
}