Codes of Conduct and Public Commitments

Scotiabank is committed to a number of voluntary codes of conduct and public commitments designed to protect consumer interests, such as those listed below.

• VISA Zero Liability Policy 
  
  
• MasterCard Zero Liability Policy 
  
  
• American Express Fraud Protection Guarantee Overview 
  A commitment that consumers will pay nothing for certain fraudulent credit card transactions.
  
  
• VISA E-Promise
  A commitment to assist consumers in getting their money back for unsatisfactory purchases made online, by phone or by mail.

• Commitment to Provide Information on Mortgage Security
  A commitment to explain the differences between Collateral and Conventional


• Plain Language Mortgage Documents - CBA Commitment
  A commitment to ensure the readability of residential mortgage documents. 
  
  
• Code of Conduct for Federally Regulated Financial Institutions - Mortgage Prepayment Information
  A Code of Conduct that outlines the type of information customers will receive to help them make an informed decision about mortgage prepayment.

• Canadian Code of Practice for Consumer Debit Card Services 
  Industry and consumer practices and responsibilities related to the use of debit cards in Canada.

• Interac Zero Liability Policy
  A commitment to protect consumers against unauthorized transactions. 

• Commitment on the Expansion of Low-cost and No-cost Bank Accounts.
  A commitment to provide a standard low-fee account to consumers. 

• Commitment on Powers of Attorney and Joint Deposit Accounts
  

• Guidelines for Transfers of Registered Plans 
  Industry standards for the transfer of deposit type registered savings plans between financial institutions.
  

• Online Payments
  Industry and consumer practices and responsibilities related to the use of Interac Online.

• Principles of Consumer Protection for Electronic Commerce: A Canadian Framework
  A guide to protecting consumers in online transactions.

• CBA Code of Conduct for Authorized Insurance Activities
  Industry standards for bank representatives offering credit, travel and personal accident insurance products in Canada.

• Model Code of Conduct for Bank Relations with Small- and Medium-Sized Businesses
  Industry standards for bank dealings with small- and medium-sized businesses.

• Code of Conduct for the Payment Card Industry in Canada

• Code of Conduct for the Delivery of Banking Services to Seniors
  This voluntary code of conduct sets out principles that apply to banks to guide them when they deliver banking products and services to Canada’s  seniors.

• Commitment on Modification or Replacement of Existing Products or Services
  A commitment to provide consumers with assurances related to the modification or replacement of existing products and services.