Federal (Canada) Privacy Decisions

Browse privacy decisions from Federal (Canada) — with AI-generated plain-language summaries for every ruling.

1 decision matching

Jurisdiction

Federal (Canada)Ontario British Columbia Alberta Saskatchewan Manitoba Quebec Nova Scotia New Brunswick Prince Edward Island Newfoundland and Labrador

Governing law

ATIA CASL PIPEDA Privacy Act

Outcome

OIC Order (ATIA s.36.1, binding)Well-founded Well-founded & resolved Well-founded & conditionally resolved Well-founded & unresolved Not well-founded Action warranted s.6.1 Application Granted (refusal authorized)s.6.1 Application Denied (must respond)Settled Resolved Early-resolved Discontinued Withdrawn Declined to investigate No jurisdiction

Decision Type

Systemic Investigations

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Federal (Canada)Personal Information Protection and Electronic Documents ActNot well-founded

Aug 4, 2020PIPEDA Findings #2020-001· Indexed Apr 12, 2026

PIPEDA Findings #2020-001: Bank ensures openness and comparable protection for personal information transferred to third party

TD Canada Trust

A former employee of TD Canada Trust (TD) complained that TD had outsourced fraud claims processing to a third-party provider in India without customer consent or an opt-out option. The Office of the Privacy Commissioner of Canada (OPC) investigated and found that TD was not required to obtain additional consent as the personal information was used for the original purpose of fraud claims management. The OPC also found TD was sufficiently open about its outsourcing practices and remained accountable by ensuring comparable protection through contractual and monitoring measures.

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Outcome Notes

Federal rulings come from two regulators with different statutory authority — outcome filters cover both.

OIC Order (ATIA s.36.1, binding) — Since June 2019 (Bill C-58) the Information Commissioner can issue binding orders requiring disclosure or reconsideration. Enforceable after 31/41 business days unless reviewed by the Federal Court (s.41).

Well-Founded — finding that the complaint is well-founded. For OIC: ATIA s.37(1)(a) finding (may be paired with a s.36.1 order). For OPC: Privacy Act s.35(1) / PIPEDA s.13(1) advisory finding — recommendations only, no binding order-making power.

Not Well-Founded — no contravention found.

s.6.1 Application— the OIC's response to a head's application for authorization to refuse a frivolous, vexatious, or bad-faith access request. Granted = institution may refuse; Denied = institution must respond.

Settled / Resolved / Early-resolved — OPC matter resolved during or before formal findings without a contravention finding.

Declined to investigate / No jurisdiction — Procedural close (Privacy Act s.34, PIPEDA discretion, or scope outside the Acts).

References: ATIA s.36.1 · OPC disposition definitions

About This Archive

Breach of Privacy archives Canadian privacy decisions from federal, provincial, and territorial commissioners. Each decision includes an AI-generated plain-language summary. Always verify against the official source document.

Federal (Canada) Privacy Decisions

PIPEDA Findings #2020-001: Bank ensures openness and comparable protection for personal information transferred to third party

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PIPEDA Findings #2020-001: Bank ensures openness and comparable protection for personal information transferred to third party

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