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 rise

2017-07-13 – 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 risk

2017-06-07 – 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

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.

Financial tools and calculators

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

Financial literacy programs

Educational materials to help students and adults increase their financial knowledge and skills.

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.

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


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.

Corporate information

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