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註釋This paper addresses marketplace factors which are critical for assisting or supporting consumers of financial services in Canada. These factors are: the transparency of transactions and disclosure; privacy of personal information; redress mechanisms; non-coercive sales practices; proficiency standards; and open markets. Particular attention is paid to financial institutions (banks, trust corporations, insurance companies, credit unions) and to financial intermediaries (primarily insurance brokers and agents). The introduction includes discussion of the rationale for focusing on retail consumers and the challenge for public policy in dealing with consumer protection issues. Chapter 2 provides further context by reviewing recent broad market developments. The subsequent chapters examine each of the above factors in turn, and include comparisons with practices in other countries.