Financial rights and responsibilities

Financial rights and responsibilities

Your rights and responsibilities when dealing with financial institutions.


Services and information

Mortgages: know your rights

Applying for a mortgage, making prepayments, renewing your mortgage and more.

Credit and loans: know your rights

Understanding the terms and conditions of loans, lines of credit and more.

Credit cards: know your rights

Applying for a credit card, changes to your credit card agreement, interest-free grace periods and more.

Protection for bank customers

New and enhanced protections when dealing with your bank.

Filing a complaint about financial products and services

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

Banking: know your rights

Opening a bank account, cashing cheques, account fee increases, joint accounts and more.

Savings and investments: know your rights

Your rights as an investor in registered savings plans or other investment products.

Receiving financial information electronically

Your rights and responsibilities when choosing to receive financial information in electronic format.

Prepaid cards: know your rights

Your right to information about fees, expiry dates, what has to appear on the card and more.

Express consent for financial products and services

Your rights, what financial institutions must tell you and why it's important.

Prohibited banking conduct

Protection against undue pressure, false and misleading information and more.

Clear disclosure on your financial documents

Your right to receive financial documents in language that is clear and not misleading.

Protection against unauthorized transactions

How you're protected if someone uses your credit or debit card without your permission.

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