OSC | Investors - Questions & Complaints - Help With Getting Your Money Back

• Free, independent service for resolving banking services and investment disputes
• You may bring your case to OBSI if the firm has not provided its final response to you within 90 calendar days of the date you complained, or if you’re not satisfied with the firm’s final decision on your complaint.
• You have up to 180 days after receiving the firm's response to get in touch with OBSI
• Can recommend compensation up to $350,000
• If you or the firm decides not to accept OBSI's recommendation, you can still pursue arbitration (if the dispute involves an IIROC member) or take legal action

• You have to complete the firm’s complaint process before you can use this service
• Up to $500,000
• Independently arbitrates complaints against IIROC member firms and their representatives
• Two independent arbitration organizations conduct the arbitration process
• You can choose to have legal representation but it is not required
• Generally faster and less expensive than going to court
• Decisions are binding and final, which means that you cannot appeal a decision through the courts

• Up to $25,000
• You can choose to have legal representation but it is not required
• Generally faster and less formal than the Superior Court of Justice
• Decisions are binding but may be appealed

See the blue pages in your local telephone directory or contact The Ministry of the Attorney General
Tel: (416) 326-2220
Website:
www.attorneygeneral.jus.gov.on.ca

• Any amount
• Legal representation is recommended
• Generally a lengthy process
• Decisions are binding but may be appealed