Consumer Complaints

Please note that CCIR does not handle complaints. If you have a complaint or a problem with a financial services provider, we recommend you take the following steps to resolve it.


Step 1: Local level

Contact your financial services provider directly to make your complaint known. Try resolving the issue with a manager or customer service representative with the financial service provider.



Step 2: Senior level or internal ombudsman

If you are not satisfied, ask about the firm’s complaint process. If your complaint cannot be resolved at the local level, it may be referred to a higher level of management, a complaints liaison manager, or an internal ombudsman.



Step 3: Third Party

If your complaint has not been resolved to your satisfaction, you may have access to a review by a third party. The following organizations provide a non-binding review of complaints against their members.



For complaints or inquiries about home, car and business insurers, you may contact the General Insurance OmbudService (GIO).

  • Toll Free 1.877.225.0446

    For complaints or inquiries about life and health insurance products including life, disability, employee health benefits, travel and insurance investment products such as annuities and segregated funds life and health products and services issued by life insurance companies, you may contact the OmbudService for Life and & Health Insurance (OLHI).

  • Tel: (416) 777-9002
    Fr: (514) 282-2088
    Toll free: 1-888-295-8112
    Fr: 1-866-582-2008

    The AMF is the regulatory body that supervises the financial sector in Quebec. It helps protect the public by enforcing laws and regulations on insurance, securities, deposit institutions (excluding banks) and the distribution of financial products and services.


    Autorité des marchés financiers
    Centre d’information
    Place de la cité, Tour Cominar
    2640 boul. Laurier, 3e étage
    Québec, G1V 5C1
    Téléphone : Montréal : (514) 395-0337
                             Québec :    (418) 525-0337
                             Sans frais : 1 877-525-0337
    Site Web:



    Financial Services Regulators

    Please note that you can also contact the appropriate provincial or federal financial services regulator. Please note that you can also contact the appropriate provincial or federal financial services regulator. The regulator may be able to provide you with additional information, guidance or other assistance with resolving your complaint. A list of provincial and federal regulators can be found here:



    Tips for Resolving a Complaint


    If you think there's a problem, ask for an explanation as soon as possible.

    Be clear about the problem and what you would like to see happen in the future.

    Ask for information when necessary.

    Keep a complaint file.

    Keep records of conversations.