Topic

Consumer-Driven Banking

Abstract illustration: a red ring joined by a thin line to a mustard circle inside a charcoal arch, the idea that a fintech customer's money is only protected when it's traced through to a bank

Fintech · Banking & Personal Finance · Explainer

Is Your Money in a Fintech App Actually Insured in Canada?

Many Canadian fintechs look like banks, but they aren't CDIC members. Here's how deposit insurance reaches your balance, and the three questions that tell you whether it does.

November 10, 2026

Abstract illustration: a charcoal circle and a red circle joined by a thin line with a mustard dot between them, the secure flow of consumer-permitted data between a bank and a fintech app under Canada's draft open banking rules

Fintech · Regulation & Compliance · Analysis

Twelve Months, $2,500 and Shared Liability: What Canada’s Draft Open Banking Rules Decide

Canada’s proposed Consumer-Driven Banking Regulations set accreditation paths, a 12-month consent limit and clear liability rules. Here's what they decide, and what's still open.

October 20, 2026

Is Your Money in a Fintech App Actually Insured in Canada?

Twelve Months, $2,500 and Shared Liability: What Canada’s Draft Open Banking Rules Decide

The TechPortfolio briefing