Know Your Rights

The Right to Ask Why

You can and should request a written explanation from the bank or financial institution

You have the right to request personal data held by financial institutions — including flagged activity or decision-making records.

Every federally regulated bank must provide a complaint process. If unresolved, you can escalate to independent bodies like OBSI or ADR Chambers.

Canada’s privacy laws (PIPEDA) protect you from misuse of your data. You can report concerns to the Office of the Privacy Commissioner.

If you suspect profiling or bias, file a complaint under the Canadian Human Rights Act or with a provincial human rights commission.

You have the right to share your experience, seek support, and join collective calls for reform. You are not alone.

Silence protects the institutions, not you. If you’ve been wronged, speak up, document everything, and seek support.

Don’t rush. Closing all accounts can erase important records. Take time to understand the situation before reacting.

If you’ve filed a complaint or requested records, follow up. Keep a log of all communications, names, and dates.

If you go public or seek help, be mindful of what personal data or documents you share. Use secure platforms and trusted advocates.

Many others have experienced similar financial exclusion. You are not alone — and you are not to blame.

Push for answers. Even if you're stonewalled, insisting on a response puts pressure on institutions and strengthens your case.

Use multiple accounts to spread financial risk.

Keep a clear record of all communications with your financial providers.

Secure and regularly update backups of important financial records, donor lists, and transactions.

Choose services that offer detailed reporting and easy-to-export data.

For organizations, ensure policies are board-approved, regularly reviewed, and well-documented.