You did mention the ombudsperson process. Some banks choose to have an in-house ombudsperson, which they can, and obviously there are some firewalls put in place. Others choose to use a third party ombudsman, and that information we've heard from the FCAC is directly shared with them.
Do you have any suggestions about how that process could be improved, or do you think enough people know about their rights to use an ombudsperson?