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

• 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.

• 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

• 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 Value Account as our commitment to the government to provide a basic, low fee account. Click here to find out more

• Undertaking for Unsolicited Services commits to certain procedures in the event that we offer customers an unsolicited new service or if we modify an existing service. Click here to view this Commitment on the Canadian Bankers Association website

• 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

• Index Linked Deposits Rescission Undertaking provides consumers purchasing these deposits by telephone with rescission rights. Click here to view this Commitment on the FCAC website

• 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

• Easy Web Security Guarantee provides the consumer with rights in the event of unauthorized online banking activity. Click here to find out more

• WebBroker Security Guarantee provides our customers with rights in the unlikely event that losses occur resulting from unauthorized online brokerage activity relating to their TD Waterhouse account. 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

• Beginning in April 2007, banks in Canada have committed to reduce the maximum possible cheque hold duration, on cheques drawn on a branch located in Canada and issued in Canadian dollars, to seven business days. This will be further reduced to a maximum of four business days once electronic cheque imaging is fully implemented. Click here to view this Commitment on the Canadian Bankers Association website.