Commissioner’s Findings - PIPEDA Report of Findings #2013-002: Bank misinformed client of purpose of requesting personal information for picking up credit card

A bank customer complained after being asked to provide his driver's license to pick up a replacement credit card, despite having other identification on file and being known to staff. The bank initially cited anti-money laundering regulations (PCMLTFA) but later admitted this rationale was incorrect. The OPC investigated two issues: whether the bank improperly demanded to record information (collection) and whether it could explain the purpose of collection. Since the customer refused to provide his driver's license, no actual collection occurred, so that aspect of the complaint was not well-founded. However, the bank's inaccurate explanation for requesting the information contravened Principle 4.2.5. The bank revised its procedures and circulated new guidelines to staff, leading to a well-founded and resolved outcome for the latter issue.