Promotional toolkits for financial literacy and consumer protection

From: Financial Consumer Agency of Canada

The Financial Consumer Agency of Canada developed the following digital content, including banners, infographics and videos, to help individuals and organizations promote financial literacy and consumer protection in Canada. Check back regularly for more promotional products. 

To download these images, right-click on the image or link you want to save, then choose "Save image as" or "Save link as" from the drop-down menu.

Financial literacy

The following products promote Financial Literacy Month and provide practical tips to manage money and debt.


Infographic: Find your financial balance
Text version: Find your financial balance

Find your financial balance: Tips to manage your debt

Higher costs and interest rates mean that you may need to adjust your budget to find the right balance between daily spending and paying down debt.

  • Review your budget to identify where you can cut expenses, so you have more money to pay down your debt
  • Pay down your deb with the highest interest rate first to pay less interest
  • Avoid taking on more debt in the future by saving for your financial goals
  • Consider consolidating high interest debts into a loan with a lower interest rate

If you need to borrow money…

  • Borrow responsibly to build a good credit history and know the difference between good and bad debt
  • Choose the right product for your needs and circumstances
  • Know your rights when borrowing money

Get more free tips and tools at: canada.ca/financial-literacy-month


Find your financial balance
Text version: Find your financial balance, the right balance

Find your financial balance

You may need to adjust your budget to find the right balance between paying down debt and daily spending.

canada.ca/financial-literacy-month


Find your financial balance
Text version: Find your financial balance, reducing your expenses

Find your financial balance

Take control of your debt by reducing your expenses so you have more money to pay it down.

canada.ca/financial-literacy-month


Picture: Manage your debt, pay less interest
Text version: Manage your debt, to pay less interest

Manage your debt

When interest rates are high, pay down the debt with the highest interest rate first to pay less interest.

canada.ca/financial-literacy-month


Picture: Manage your debt, pay off high interest debts
Text version: Manage your debt, pay off multiple high-interest debts

Manage your debt

Too much debt can be stressful. Consider applying for a loan to pay off multiple high-interest debts.

canada.ca/financial-literacy-month


Picture: Plan for the future, saving for your financial goals
Text version: Plan for the future, save for your financial goals

Plan for the future

Avoid taking on more debt by saving for your financial goals.

canada.ca/financial-literacy-month


Picture: Plan for the future, set up an emergency fund
Text version: Plan for the future, set up an emergency fund

Plan for the future

Set up an emergency fund to pay for unexpected expenses without going into debt.

canada.ca/financial-literacy-month


Picture: Borrow money wisely, have a plan to pay it back
Text version: Borrow money wisely, have a plan to pay it back

Borrow money wisely

If you need to borrow money, have a plan to pay it back and build a good credit history.

canada.ca/financial-literacy-month


Picture: Borrow money wisely, borrow less when interests rates are high
Text version: Borrow money wisely, pay less interest

Borrow money wisely

When interest rates are high, avoid getting the maximum mortgage or line of credit to pay less interest.

canada.ca/financial-literacy-month


Picture: Borrow money wisely, A good debt creates value
Text version: Borrow money wisely, good debt creates value

Borrow money wisely

Good debt is an investment in something that creates value or produces more wealth in the long run.

canada.ca/financial-literacy-month


Picture: Borrow money wisely, a bad debt is
Text version: Borrow money wisely, bad debt

Borrow money wisely

Bad debt is borrowing to buy something that goes down in value.

canada.ca/financial-literacy-month


Know your rights
Text version: Know your rights

Know your rights

When you apply for a mortgage or a loan, you have the right to information that is clear, simple, and not misleading.

canada.ca/financial-literacy-month


Picture: Enhanced protections
Text version: Enhanced protections

Enhanced protections

When you are about to reach your credit limit, your bank will send you an alert by email or text to help you manage your debt.

canada.ca/financial-literacy-month


Financial consumer protection

The following products promote the new and enhanced protections for bank customers that are part of Canada’s new Financial Consumer Protection Framework, including new electronic alerts from banks. The new and enhanced protections will take effect on June 30, 2022.


Infographic: New protections for bank customers
Text version: New protections for bank customers

New protections for bank customers

What you should know

Starting June 30th, you will benefit from new and enhanced protections when dealing with your bank.

Enhanced disclosures

Your bank will have to provide you with more information about your day-to-day banking so you can make informed and timely decisions.

For example, you will receive:

  • Electronic alerts to help you manage your accounts and avoid certain fees
  • Timely reminders to renew or cancel your products or services
  • Separate agreements for optional products and services to help you understand them better

Enhanced complaint- handling procedures

Your bank will have to strengthen its complaint-handling procedures so your issues are resolved faster.

For example, your bank will be legally required to deal with complaints within 56 days

Other measures to better protect you

Your bank will have to take further actions to better protect you and meet higher standards for sales practices.

For example, your bank will have to:

  • Offer and sell products or services that are appropriate for your needs
  • Take additional steps to avoid providing misleading information or applying undue pressure when selling you products or services
  • Take additional steps to make sure they get your express consent for each product or service you buy

These protections are part of Canada’s new Financial Consumer Protection Framework.

Learn more at canada.ca/fcac


Infographic: New electronic alerts from your bank
Text version: New electronic alerts from your bank

New electronic alerts from your bank

As of June 30, you will receive new alerts via email, text or app notification

The alerts:

  • will let you know when your bank account balance or available credit on your credit card or line of credit falls below a certain amount
  • will tell you what charges or fees may apply, and how to avoid them
  • will be sent automatically, but you can change or cancel them

The alerts will help you manage your accounts and avoid certain fees

canada.ca/money


Infographic:  New electronic alerts from your bank"
Text version: New electronic alerts from your bank

New electronic alerts from your bank

As of June 30, you will receive new alerts via email, text or app notification

The alerts:

  • will let you know when your bank account balance or available credit on your credit card or line of credit falls below a certain amount
  • will tell you what charges or fees may apply, and how to avoid them
  • will be sent automatically, but you can change or cancel them

The alerts will help you manage your accounts and avoid certain fees

canada.ca/money


Infographic: Enhanced complaint-handling procedures for bank customers
Text version: Enhanced complaint-handling procedures for bank customers

Enhanced complaint-handling procedures for bank customers

Starting June 30th, your bank will have to strengthen how it handles complaints.

Your bank will have to:

  • Deal with complaints within 56 days
  • Help you navigate their complaint-handling procedures to make sure you understand the steps involved
  • Avoid using misleading terms, such as ombudsperson, that suggest bank employees who handle complaints are independent 

These measures will help get your issues resolved in a more timely and effective way.

These protections are part of Canada’s new Financial Consumer Protection Framework.

Learn more at canada.ca/money



Budget Planner

Display the Budget Planner on your website

FCAC is looking for organizations interested in incorporating a widget of the tool to their website. For more information, email us at FCACTools.OutilsACFC@fcac-acfc.gc.ca.



Infographic: Take control of your debt
Text version: Manage your money with a budget

Manage your money with a budget

The Budget Planner is a free interactive tool that provides personalized tips and suggestions to improve your financial situation. 

canada.ca/budget-planner

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