연방정부는 일부에서 경쟁을 저해할 가능성이 있다는 것을 지적하고 있음에도 불구하고 RBC가13.5 빌리언 달러에 HSBC Canada를 인수하는 것에 동의하였다. RBC의 HSBC Canada 인수는 1분기에 마무리될 예정이다.
다음은 2024년 캐나다 은행에서 예상되는 변화들이다:
■ 오픈 뱅킹
연방정부는 지난해 가을 오픈 뱅킹 프레임을 구축하기 위한 법안을 2024년 예산에 반영할 것이라고 발표했었다.
캐네이디언들은 정부가 ‘소비자-중심 뱅킹’ 이라고 부르는 오픈 뱅킹을 통해 금융 데이터를 더욱 안전하게 볼 수 있다. 오픈 뱅킹은 고객들이 모든 금융기관에 있는 자신의 계좌의 잔액, 내역조회 그리고 입출금은 물론이고 계좌에 연결된 카드정보까지 하나의 앱에서 한눈에 확인할 수 있는 금융 서비스이다.
오픈 뱅킹은 유럽연합, 영국 그리고 일본 등에서는 적극적으로 추진하고 있는 정책이며, 연방 Liberal 정부는 2021년 선거 캠페인에서 늦어도 2023년 초까지는 이것을 실시하겠다는 발표를 했었다.
■ 은행 불만사항에 대한 단일 옵션
현재 두가지 옵션을 중심으로 진행중인 은행의 고객 불만사항에 대한 처리가 고객이 아닌 은행이 선호하는 서비스를 선택할 수 있기 때문에 소비자 단체들은 단일 움부즈맨 제도를 수년간 요구해 왔다.
연방정부는 지난해 10월, 기존 조직 중에 한곳인 Ombudsman for Banking Services and Investments에서 2024년 11월 1일부터 모든 은행 불만사항에 대한 관할권을 가질 것이라는 발표를 했었다. ADR Chambers도 계속적으로 운영될 예정지만, 기타의 갈등 서비스를 맡도록 한다는 것이 연방정부의 방침이다.
그러나 Democracy Watch 와 같은 소비자단체들은 정부가 움부즈에게 더 구속력이 있는 권한을 주어야 한다는 의견을 제시하고 있다.
■ 더 신속한 결제
캐나다의 결제 인프라를 운영하고 있는 비-영리기관 Payments Canada는 즉시 결제 정산을 시행하기 위해 노력하고 있다. 주말이나 공휴일에도 은행카드 결제가 즉시 처리될 경우 더 많은 데이터를 처리하면서 투명성 높아지기 때문이다.
Payments Canada는 2018년에 이 시스템이 2019년부터 시행될 것이라고 했지만, 아직 활성화되지 않고 있다. 기관은 2923년 중반에는 시작할 수 있을 것으로 이야기했지만, 또 미루어졌다. 2024년 1분기에 업데이트 계획을 발표한다는 것이 기관의 발표이다.
■ 약탈적 대출
2023년 예산에서 연방정부는 대출기관이 부과할 수 있는 이자율의 한도를 더 낮게 설정하였다. 최대 이자율을 47 퍼센트 연이율 (annual percentage rate, APR)에서 35 퍼센트 APR로 변경하였다.
연방정부는 또한 약탈적 대출을 대한 어떤 추가적인 조치가 필요한지에 대해 지난해 10월부터 협의를 시작했지만, 2024년 어떤 변화 또는 프로그램을 제시할 것인지에 대해 발표된 사항이 아직까지 없다.
■ 은행이 부과하는 수수료
Democracy Watch는 최근 Liberal 정부가 2021년 선거에서 공약한 은행이 부과하는 수수료를 검토한 다음 변경을 요청할 수 있는 Financial Consumer Agency of Canada의 권한을 강화하겠다고 했지만, 진전이 없다는 점을 지적하였다.
정부는 청년, 학생, 소득이 낮은 시니어 그리고 장애인 계층에서 저비용 계좌를 이용할 수 있도록 하고 있지만, 자격을 확대하기 위해 노력하고 있다고 했다.
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