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

Consumer Alert: What you need to know when getting help to pay off debt or repair your credit


Some companies offering help to pay off debt or repair credit are misleading consumers

Commissioner delivers speech at Annual Consumer Groups Sessions

2017-03-30 – Speech

Communication, Collaboration and Consultation—Requirements for a strong consumer protection framework

Our services and information

Making a complaint to your financial institution

The steps for making a complaint to a bank or other federally regulated financial institution.

Financial rights and responsibilities

Your rights and responsibilities when dealing with financial institutions.

Managing your money

Budgeting, banking, money transfers, insurance and planning your finances at different life stages.

Debt and borrowing

Managing debt, credit reports, mortgages, credit cards, loans, lines of credit and more.

Savings and investments

Savings and investment types, options, setting goals and choosing a financial advisor.

Education funding

How much money you'll need, where your money will come from, budgeting and paying off student debt.

Pensions and retirement

Retirement planning, public and registered pensions, RRSPs, RRIFs, retirement income calculator and more.

Tools, calculators and educational programs

Tools to help you choose a bank account and credit card, including budget and mortgage calculators.

Canadian Financial Literacy Database

A one-stop source for resources and events from Canadian organizations on budgeting, saving, investing and more.

Protecting financial consumers and merchants

Financial entity obligations, guidance, decisions, complaint information, research, and more.

Show more services and information

Strengthening financial literacy in Canada

Canada’s national strategy for financial literacy, the seniors’ financial literacy strategy, the National Steering Committee and more.

Accepting credit and debit card payments

Merchants’ rights, how card payments work, choosing a service provider.

Protection from frauds and scams

Identity theft, types of fraud, counterfeit money and other threats or scams.

What we are doing


Credit cards: rights and responsibilities

Know your rights if you were signed up for a credit card without your knowledge.

Payday loans

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.

Corporate information

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