Financial Consumer Agency of Canada
The Financial Consumer Agency of Canada (FCAC) ensures federally regulated financial entities comply with consumer protection measures, promotes financial education and raises consumers’ awareness of their rights and responsibilities.
Consumer Alert: What you need to know when getting help to pay off debt or repair your credit2017-04-05
Some companies offering help to pay off debt or repair credit are misleading consumers
Commissioner delivers speech at Annual Consumer Groups Sessions2017-03-30 – Speech
Communication, Collaboration and Consultation—Requirements for a strong consumer protection framework
Our services and information
The steps for making a complaint to a bank or other federally regulated financial institution.
Your rights and responsibilities when dealing with financial institutions.
Budgeting, banking, money transfers, insurance and planning your finances at different life stages.
Managing debt, credit reports, mortgages, credit cards, loans, lines of credit and more.
Savings and investment types, options, setting goals and choosing a financial advisor.
How much money you'll need, where your money will come from, budgeting and paying off student debt.
Retirement planning, public and registered pensions, RRSPs, RRIFs, retirement income calculator and more.
Tools to help you choose a bank account and credit card, including budget and mortgage calculators.
A one-stop source for resources and events from Canadian organizations on budgeting, saving, investing and more.
Financial entity obligations, guidance, decisions, complaint information, research, and more.
Show more services and information
Canada’s national strategy for financial literacy, the seniors’ financial literacy strategy, the National Steering Committee and more.
Merchants’ rights, how card payments work, choosing a service provider.
Identity theft, types of fraud, counterfeit money and other threats or scams.
What we are doing
Laws and regulations
- Financial Consumer Agency of Canada Act
- Bank Act
- Financial Consumer Agency of Canada Assessment of Financial Institutions Regulations
- Financial Consumer Agency of Canada Designated Violations Regulations
- Payday loans: Market trends
- Annual Report 2015- 2016
- Strategic Plan 2014-19 (PDF, 260 KB)
- Business Plan 2016-17 (PDF, 396 KB)
Credit cards: rights and responsibilities
Know your rights if you were signed up for a credit card without your knowledge.
The high costs of borrowing, what happens if you miss a payment and what to ask a payday lender.
Tools and calculators
Build your future with the right financial tools.
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