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Finding

Awareness remains lowest among consumers that credit card protection insurance does not always cover the outstanding balance on their card (32% are aware, which is not a statistically significant change since 2019).

Initiative: Survey of Consumers' Awareness of their Financial Rights and Responsibilities

Adopter: Financial Consumer Agency of Canada

Finding

Consumers' understanding that they do not have to agree to credit card protection when applying for a card has declined since 2019 (down 5 points to 64% versus 69%).

Initiative: Survey of Consumers' Awareness of their Financial Rights and Responsibilities

Adopter: Financial Consumer Agency of Canada

Finding

35% of homebuyers paid more than what they had planned.

Initiative: Mortgage Consumer Survey

Adopter: Canada Mortgage and Housing Corporation

Finding

Among Canadians who have debt, 30% of them sought advice from financial professionals to help them manage debt.

Initiative: Monthly Financial Well-Being Monitor

Adopter: Financial Consumer Agency of Canada

Finding

85% of those shopping for chequing accounts and 80% of those shopping for credit cards said the recommendations they received were appropriate.

Initiative: Mystery Shopping at Domestic Retail Banks

Adopter: Financial Consumer Agency of Canada

Finding

Fewer than 10% of Canadians reported using a Buy-Now-Pay-Later service during 2021. Among them, about 20% found it difficult to understand the penalties or interest charges for missed or partial payments.

Initiative: Pilot Study: Buy Now, Pay Later Services in Canada

Adopter: Financial Consumer Agency of Canada

Finding

Fewer than 10% of Canadians reported using a Buy-Now-Pay-Later service during 2021. Among them, about 10% found it difficult to understand the total cost of the service.

Initiative: Pilot Study: Buy Now, Pay Later Services in Canada

Adopter: Financial Consumer Agency of Canada

Finding

Of people who said it was too complicated to open an RDSP, 29% cited complications filling in the tax forms and 44% had complications visiting the bank to open a plan.

Initiative: Survey on Savings for Persons with Disabilities

Adopter: Statistics Canada

Finding

40% of workshop participants opened tax-free savings accounts for emergency savings.

Initiative: A targeted savings program

Adopter: Anonymous organization

Finding

About 60% of Canadians understand the effect of inflation on savings.

Initiative: Investor Survey

Adopter: Canadian Investment Regulatory Organization

The Financial Consumer Agency of Canada does not endorse, directly or indirectly, any adopters of the Measurement Plan, nor does it make any representations or warranties, express or implied, concerning the adopters' products or services or their fitness for a particular purpose.

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