Federal (Canada)Personal Information Protection and Electronic Documents ActResolved

Incident Summary #11: Financial institution reacts quickly to mass-mailing error

Organization: A financial institutionComplainant: Anonymous applicant
Plain-language brief

An individual received their RRSP tax contribution statement from a financial institution, but one copy contained the personal information of another individual, including their name, address, account number, RRSP contribution, and social insurance number. The financial institution reported the mass-mailing error to the OPC, explaining that a production error during automated printing caused a few hundred incorrect statements to be mailed. The OPC noted that the financial institution reacted quickly by assembling a breach response team, notifying affected clients, providing new statements, increasing account monitoring, and offering complimentary credit alert monitoring. The institution also asked clients to destroy incorrect statements and implemented new internal controls to prevent future errors. The OPC highlighted the importance of precautions in mass mail-outs and having systems to respond to errors.

Key issues
  1. 1Whether the financial institution adequately safeguarded personal information during mass mail-outs
  2. 2Whether the financial institution responded appropriately to a privacy breach involving misdirected mail
Outcome breakdownFavours: Both, in part
  • Personal information breach: Breach confirmed due to mass-mailing error
  • Breach response: Institution's response deemed appropriate
  • Preventative measures: New internal controls implemented
Outcome

Incident resolved through prompt and appropriate action by the financial institution

Reasoning

The financial institution took immediate and comprehensive steps to address the mailing error, mitigate harm to affected individuals, and prevent recurrence, satisfying the OPC's concerns early in the process.

AI-generated summary for reference only. Always verify against the official decision ↗
Decision notes
Recommended action / remedy

The financial institution notified affected clients, provided new statements, increased account monitoring, offered credit alert monitoring, and implemented new internal procedures and controls to prevent similar incidents.

This summary is informational only and not legal advice.

Pro · AI

Decisions with similar reasoning and facts — found by AI across statutes and jurisdictions, not just keywords.

Pro
Coverage — 13 of 14 jurisdictions searchable

Fully searchable: Ontario, British Columbia, Alberta, Saskatchewan, Newfoundland and Labrador, Northwest Territories, New Brunswick, Manitoba.

Partial (recent decisions only): Federal (Canada) (651 of 1,631), Nova Scotia (49 of 472), Quebec (6 of 7,090), Prince Edward Island (2 of 279), Yukon (1 of 75).

Coming soon: Nunavut — being re-processed for AI search.

Find decisions like this one — by meaning, not keywords.

Related by meaning is a Pro feature. Upgrade to surface conceptually similar decisions across the corpus, powered by AI.

Upgrade to Pro