The Consumers' Association of Canada (CAC), founded in 1947, is an independent, not-for-profit, volunteer-based, charitable organization. CAC's mandate is to inform and educate consumers on marketplace issues, to advocate for consumers with government and industry, and work with government and industry to solve marketplace problems. CAC focuses its work in the areas of food, health, trade, standards, financial services, communications industries and other marketplace issues as they emerge.
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Consumer protection and fraud
When you apply for a credit card, you are entering into a contract. Like any contract, it is legally binding and gives each party certain rights and responsibilities.
On this page you will find information on:
- Your right to information
- Cancelling your credit card
- Unsolicited credit card cheques
- Joint or shared cards
- What you should do if you feel your rights are not being respected
This web page has information about your legal responsibilities when you have a joint or shared credit card. It describes how authorized users (or secondary users) can affect you and your liabilities.
The Financial Consumer Agency of Canada (FCAC) is an independent body working to protect and inform consumers of financial products and services (such as banking, credit cards, loans, savings and insurance), and to coordinate activities that contribute to strengthening Canadians’ financial literacy.
If you are victim of identity theft or identity fraud, you should immediately take some basic steps to prevent further crimes from happening and to restore your credit and good name. Navigating through the system as a victim can be time-consuming and confusing. This guide should help start you off in the right direction.
Insurance-Canada.ca provides consumers and insurance professionals with information about insurance-related topics pertinent to Canada. The website includes reviews of insurance-related services, question-and-answer sections and articles for both the consumer and insurance professional. They offer an online directory of insurance providers and services, and an electronic newsletter.
Formerly known as Internet 101, the RCMP has provided these resources about safety on the internet, including information regarding: Internet Safety for Youth; Child Exploitation; Online Scams and Fraud; Social Networking; Cyberbullying; and Internet Security.
The National Do Not Call List (DNCL) gives consumers a choice about whether to receive telemarketing calls. If you are a consumer you can choose to reduce the number of telemarketing calls you receive by registering your residential, wireless, fax or VoIP telephone number on the National DNCL. You can also file a complaint about telemarketing calls. Call toll-free 1-866-580-DNCL (1-866-580-3625)
The Ombudsman for Banking Services and Investments (OBSI) is an independent organization that investigates customer complaints against financial services providers, including banks and other deposit-taking organizations, investment dealers, mutual fund dealers and mutual fund companies. OBSI resolves disputes between participating banking services and investment firms and their customers if they can’t solve them on their own.