Maybe.
There were worrying signs about TD, so about four or five years ago, there was a public-private partnership called Project Athena in the Lower Mainland of B.C. It identified that banks were issuing bank drafts to people who were students and homemakers for significant amounts of money, and there were no names on the bank drafts, so it became like a bearer instrument. This was identified for all of the banks, and all of them changed their practice, except for TD.
What happened was that Mr. Justice Cullen, as part of his commission, actually subpoenaed the global chief anti-money-laundering officer to come and testify and explain why. He said they didn't have the resources to make the change, even though it's a massive bank.