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Commissioner’s guidance
This section of the website presents the Commissioner’s guidance—that is, explanations of issues pertaining to acts, regulations and related policies, and how FCAC intends to apply them. While the Commissioner’s interpretation in a publication or a guidance document may provide insight, it is not a substitute for the law. It will be of interest to financial entities wishing to follow industry guidance.
FCAC has prepared the following documents to help stakeholders interpret what is required to meet the acts, regulations, voluntary codes of conduct, public commitments and related policies. The documents describe FCAC’s position on issues and subjects of interest to financial entities.
- CG-2 Access to Basic Banking Services regulations: Refusal to open an account
Posted on: July 2007
- CG-3 Clear Language and Presentation Principles and Guidelines for the Industry
Posted on: October 2009
- CG-4 Information box examples for the Cost of Borrowing Regulations
Posted on: October 2009
- CG-6 Online and other electronic credit card applications and information boxes
Posted on: September 2011
- CG-7 Application of the Credit and Debit Card Code to 90 days notice of any fee increases or the introduction of a new fee
Posted on: October 2011
- CG-8 Mortgage Prepayment Penalty Disclosure
Posted on: March 2012
August 2012: CG-8 has been repealed and replaced by CG-9
- CG-10 Increased disclosure in sales and business practices and cancellation of contracts without penalty
Posted on: February 2013
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