From:	Crystle Numan XXXX
Sent:	January-27-14 3:18 PM
To:	Consumer Code / Code consommateur
Subject:	Input into Financial Consumer Protection Framework

Thank you for the opportunity to provide input. We work with low income families and individuals, 
newcomers to Canada and anyone in need of help.

Regarding vulnerable populations, our experience shows that those with language barriers often have 
less access to ‘normal' financial options, and do not understand the ‘fine print' of the other options, 
most of which are much more costly and cause debt. Requiring simple language, an opportunity to back 
out of agreements if they were not understood, and more financial literacy programming would help.

As well, lower income populations often are barred access to ‘normal' financial options, such as a bank 
because they do not have a fixed address, etc., and must turn to other options, many of which are much 
more costly and cause debt. Ensuring that everyone can access financial services for their needs without 
inordinate fees is critical or those with low income will sink further into debt, and may never be able to 
get out.

Thank you for taking the time to read this submission.
Crystle


Crystle Numan
Money Matters Program Coordinator, Financial Literacy
Neighbour to Neighbour Centre, 28 Athens St. 
Hamilton ON  L9C 3K9
XXXX
n2ncentre.com
Help is just a neighbour away