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: Managing debt when interest rates rise2017-07-13 – News release
At a time when Canadians are carrying record amounts of debt, the Financial Consumer Agency of Canada is advising consumers to take steps to manage a rise in interest rates.
FCAC report: Home equity lines of credit may put consumers at risk2017-06-07 – News release
Home equity lines of credit may put some Canadians at risk of over-borrowing, according to a report released today by the Financial Consumer Agency of Canada.
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.
Educational materials to help students and adults increase their financial knowledge and skills.
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.
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
- Home equity lines of credit: Market trends and consumer issues
- Financial Literacy and Retirement Well‑Being in Canada: An Analysis of the 2014 Canadian Financial Capability Survey
- Initiating budgeting behaviour among non-budgeters: A financial literacy pilot using mobile technology
- National Research Plan on Financial Literacy 2016-2018
Financial tools and calculators
Set yourself up for gold using the right financial tools.
Take charge of your finances
Find tips and tools to help you manage your money and debt.
When a financial institution can take money from your account
What is the right of offset, how it works and how to prevent your account from being offset.
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