To Our Customers

The Financial Consumer Agency of Canada (FCAC) monitors our adherence to Codes of Conduct and Public Commitments. Click here to contact the FCAC.

• Commitment to Provide Information on Mortgage Security outlines certain information banks must provide on the different types of mortgage security banks take when consumers borrow funds through a mortgage for the purchase of a home. Click here to view this Commitment on the Canadian Bankers Association website.
• Commitment on Powers of Attorney and Joint Deposit Accounts sets out minimum information banks must provide regarding Powers of Attorney and Joint Deposit Accounts. Click here to view this Commitment on the Canadian Bankers Association website.
• Canadian Code of Practice for Consumer Debit Card Services outlines practices and responsibilities which help protect consumers in their use of debit card services. Click here to view this Code of Conduct on the Canadian Bankers Association website.
• Code of Conduct for the Credit and Debit Card Industry in Canada sets the principles for business practices related to the issuance and acceptance of payment cards and operation of payment card networks. Click here to view this Code of Conduct on the Canadian Banker Association website.
• Model Code of Conduct for Bank Relations with Small and Medium-Sized Businesses contains minimum standards for bank dealings with these businesses. Click here to view this Code of Conduct on the Canadian Bankers Association website or click here to view our Small Business Banking Commitment
• CBA Code of Conduct for Authorized Insurance Activities outlines the minimum standards that apply to bank representatives promoting authorized insurance products. Click here to view this Code of Conduct on the Canadian Bankers Association website
• Code of Conduct for Federally Regulated Financial Institutions - Mortgage Prepayment Information outlines the type of information consumers will receive to help them make an informed decision about prepayment of their mortgage. Click here to view this Code of Conduct on the Canadian Bankers Association website
• Principles of Consumer Protection for Electronic Commerce provides a framework for commerce over open networks, including the internet. Click here to view this Code of Conduct on the Canadian Bankers Association website
• Guidelines for Transfers of Registered Plans covers transfers of deposit type instruments. Click here to view this Code of Conduct on the Canadian Bankers Association website
• Low Cost Account - We offer our Minimum Chequing Account as our commitment to the government to provide a basic, low fee account. Click here to find out more
• Visa Zero Liability Commitment provides protection against fraudulent card use. Click here to view this Commitment on the Visa Canada website
• Visa e promise offers online shoppers an alternative method to settle disputes with merchants. Click here to view this Commitment on the Visa Canada website
• The Principal Protected Notes (PPN) Regulations Undertaking provides consumers purchasing a PPN by electronic means and/or by telephone with rescission rights. Click here to view this Commitment.
• On Line Payments Commitment outlines the practices and responsibilities that provide consumer protection when using on line payments systems in Canada. Click here to view this Commitment on the Canadian Bankers Association website
• TD Online and Mobile Security Guarantee provides our customers with rights in the event of unauthorized activity through a TD online and mobile service.Click here to find out more
• Plain Language Mortgage Documents is a commitment by the banks to improve readability of residential mortgage documents. Click here to view this Commitment on the Canadian Bankers Association website
• If you are a MasterCard® credit card cardholder, you'll receive the benefit of Zero Liability in the event of the unauthorized use of your Canadian-issued MasterCard card. Click here to view this Commitment on the MasterCard® website.
• Banks provide consumers with assurances related to the modification or replacement of existing products and services. Click here to view this Commitment on Modification or Replacement of Existing Products or Services.