Financial rights and responsibilities

Your rights and responsibilities when dealing with financial institutions.

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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.

Banking: rights and responsibilities

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

Credit and loans: rights and responsibilities

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

Credit cards: rights and responsibilities

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

Savings and investments: rights and responsibilities

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

Mortgages: rights and responsibilities

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

Receiving financial documents electronically

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

Prepaid cards: rights and responsibilities

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

Consenting for optional products

Your right to information before and after you consent to an optional product or service.

Tied selling

Your rights when being solicited to buy additional products or services from a bank.

Clear disclosure on your financial documents

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

Small businesses: rights and responsibilities

What small and medium-sized businesses can expect when dealing with a bank.

Protection against unauthorized transactions

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

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