Canadian Privacy Decisions

The complainant alleged that the Royal Canadian Mounted Police (RCMP) improperly withheld information under subsection 19(1) of the Access to Information Act related to a follow-up investigation concerning a Code of Conduct decision against the complainant. The RCMP initially withheld information, but later released some of it, conceding it was not personal information. However, they continued to withhold other information under subsection 19(1). The OIC concluded that the remaining withheld information was indeed personal information concerning another individual and did not meet the exceptions in subsection 19(2), therefore the complaint was well founded.

• Application of subsection 19(1) (personal information) of the ATIA
• Whether withheld information constituted personal information of another individual
• Whether the exceptions in subsection 19(2) of the ATIA applied

The Office of the Privacy Commissioner of Canada (OPC) investigated a short-term lender, CashHere, after receiving an alert that it was collecting clients' online banking credentials (usernames, passwords, security questions and answers) as part of its payday loan application process. The OPC found that while the lender had a legitimate need to verify identity and income, collecting these highly sensitive credentials was not a purpose that a reasonable person would consider appropriate due to the significant privacy risks and the availability of less invasive alternatives. The investigation also uncovered a related entity, MoneyHome, engaging in similar practices.

• Appropriateness of collecting online banking credentials for loan applications
• Proportionality of privacy harms versus lender benefits
• Availability of less privacy-invasive means to verify identity and income
• Potential link between CashHere and MoneyHome