Consumer Advocacy

Capital One^® is committed to several voluntary codes of conduct designed to protect consumers.

Code of Conduct for the Credit and Debit Card Industry in Canada

The purpose of the Code is to demonstrate the industry's commitment to:

1. Ensuring that merchants are fully aware of the costs associated with accepting credit and debit card payments thereby allowing merchants to reasonably forecast their monthly costs related to accepting such payments.
2. Providing merchants with increased pricing flexibility to encourage consumers to choose the lowest-cost payment option.
3. Allowing merchants to freely choose which payment options they will accept.

For more information on the Code of Conduct visit the Department of Finance Web site.

Principles of Consumer Protection for Electronic Commerce

The Canadian Bankers Association's "Principles of Consumer Protection for Electronic Commerce: A Canadian Framework" is a guide to protecting customers in online transactions. For more information, go to www.cba.ca and search for "Principles of Consumer Protection for Electronic Commerce: A Canadian Framework".

Code of Conduct for Authorized Insurance Activities

The Canadian Bankers Association's "Code of Conduct for Authorized Insurance Activities" outlines the banks' standards for branch employees offering credit, travel and personal accident insurance with respect to training, disclosure, promotion practices, customer privacy protection and customer redress. For more information, go to www.cba.ca and search for "Code of Conduct for Authorized Insurance Activities".

Zero Liability

If your card is used without your authorization, you're protected with Zero Liability. That means you won't pay for any unauthorized purchases on your card. Learn more about Zero Liability.