WORLDWIDE‑CORRUPTION

Public records

On record: 3

Figures and words from the bodies' own filings, court letters and the public record, with links to each source. These are records, not decisions of a public authority, and are not counted among decisions.

Commission for Complaints for Telecom-television Services Inc. (CCTS)

7 October 2026

Paid by the companies it rules on

Provider money, 2023-24: $12,316,385

Not-for-profit corporation, Ottawa · complaints body for telephone, internet and TV providers

The CCTS rules on complaints against telecom providers. In 2023-24 the providers paid it $12,316,385, every dollar of its income except $82,464 in interest. A provider pays for each complaint the CCTS closes.

Dossier

$8,604,110 revenue-based fees from providersaudited financial statements 2023-24, Welch LLP

$3,687,475 complaint-based fees: “recognized as revenue when the complaints are closed”Note 2

$24,800 annual feesStatement of Operations

($252,858) owed by providers, waived by the board on 11 June 2024Note 9

Own words “The CCTS is funded entirely by its Participating Service Providers… All providers pay a fee for each of their customer complaints that we conclude”Annual Report 2023-24 · Governance

Board 3 of 7 directors are Industry Directors; all three sat at the 11 June 2024 meeting that waived the debtAnnual Report 2023-24 · Governance

Budget approved only by “six out of seven affirmatives”: two industry votes block itCRTC Telecom Regulatory Policy 2016-102

$5,000 the most it can order a provider to pay on a complaint; it “shall not make an award that is punitive of the Participating Service Provider”Procedural Code ss. 13.1(c), 13.2(b)

Purpose the federal Order said the body “should be an integral component of a deregulated telecommunications market”CRTC Telecom Regulatory Policy 2016-102

Case COMP-01407916-PF closed for Freedom Mobile on 7 October 2026, signed “CCTS Objection Team”; the objection letter was not given to the customer after three written demands. Procedural Code s. 6.7 requires the reply “with a copy to the Customer”CCTS decision of 7 October 2026 · Procedural Code, May 2023

Fee rules changes to the funding article take effect only with the “unanimous consent” in writing of the Industry DirectorsParticipation Agreement, s. 3.3(b)(i)

50% → 30% share of its budget charged per closed complaint, cut from 2019-20 to 2022-23; the rest is charged by provider revenueaudited financial statements 2019-20 to 2023-24, Year-end fee adjustment note

Industry Directors Bell Canada (Assistant General Counsel), Cogeco (Director, Regulatory Affairs), Competitive Network Operators of Canada (Executive Director)CCTS · Board of Directors, February 2024

$3,644,360 → $12,291,585 revenue-based plus complaint-based fees from providers, 2014-15 to 2023-24audited financial statements

Record Financial statements 2023-24

Record Annual Report 2023-24 · Governance

Record CRTC 2016-102

Record Procedural Code, May 2023

Ministry of Colleges and Universities, Ontario · OSAP

6 October 2026

Warned in January 2023, paid on, referred to police in October 2026

OSAP grants through seven career colleges, 2024-25: about $385 million

Provincial ministry · Ontario Student Assistance Program and its OSAP Inspection and Compliance Unit

Career Colleges Ontario told the ministry about “indicators consistent with suspicious activity” in OSAP applications in January 2023 and asked in April 2024 that the concerns go to police. Grants kept flowing: about $385 million in 2024-25 through seven career colleges. In October 2026 the ministry referred “criminal allegations” to the OPP and paused all OSAP payments for career college students while a KPMG audit runs.

Dossier

January 2023 Career Colleges Ontario raised “indicators consistent with suspicious activity” in OSAP applications with the ministryletter filed in court · CBC News, 6 October 2026

April 2024 Career Colleges Ontario requested that “related concerns” be referred to police; it was told “the ministry did make contact with police” and that police would need their own investigationThe Trillium, via OrilliaMatters, October 2026

$385 million OSAP grants to students at seven career colleges in 2024-25ministry data · CBC News; CTV News

$465 million rise in OSAP grant spending in one year; 95 per cent of it went to private career college studentsministry data · CBC News

87,000+ students at private institutions funded through OSAP in 2024-25, nearly $2.4 billion in grants and loansdata obtained by The Trillium

August 2026 KPMG audit begunCBC News; CP24

October 2026 “criminal allegations” referred to the OPP; all OSAP payments for career college students paused while the audit is ongoing, during the academic yearCBC News; CP24; CHCH

Schools with clean records paused as well, including Mothercraft, an early childhood education school with a “stellar” compliance recordCBC News, 6 October 2026

Minister, October 2026 “nothing is failing in the ministry” … “we have a very robust process in place”The Trillium, via OrilliaMatters

Former minister “I'm not really here to speak to my old file”The Trillium, via OrilliaMatters

Record CBC News · Ontario refers OSAP concerns to provincial police

Record CBC News · Liberals ask Auditor General to investigate OSAP spending

Record CBC News · $385M in OSAP grants to seven career colleges

Record CTV News · $385M in OSAP grants to students at 7 career colleges

Record The Trillium via OrilliaMatters · Two years later, OSAP allegations referred to OPP

Record CP24 · Ontario refers career college OSAP concerns to OPP

Record CHCH · OPP to investigate OSAP funding

Ombudsman for Banking Services and Investments (OBSI)

10 March 2026

Paid by the banks it rules on

Firm money, fiscal 2025: $23,837,318

Not-for-profit corporation, Toronto · sole external complaints body for federally regulated banks since 1 November 2024

OBSI rules on complaints against Canadian banks and investment firms. In fiscal 2025 the firms paid it $23,837,318, 98.6% of its income. Banks paid $14,797,938; TD paid the most. 3,546 of the 5,084 investigations it closed in 2025 ended with no compensation.

Dossier

$23,837,318 membership fees from participating firms; the rest of its income was $338,544 in interestaudited financial statements, year ended 31 October 2025, Doane Grant Thornton LLP

$14,797,938 paid by banks: TD $3,026,328 · BMO $2,864,772 · RBC $2,359,732 · Scotiabank $2,355,220 · CIBC $1,982,060 · National Bank $472,439OBSI list of bank membership fees, fiscal 2025

75% of each bank's fee is set by “its complaint volumes in the preceding three-year period relative to other banks”OBSI · Participating Firm Fees

Fee setting “Our board also considers fairness and the impact of fee changes on member firms when setting fees”OBSI fee bulletins for 2025, 2026 and 2027

Board the directors are the corporation's only voting members and elect each other; three Industry Directors must come from member firmsBy-law No. 1 (10 March 2026), ss. 3.1, 6.5(a)

Finance and Audit Committee chaired by the Chief Operating Officer, North American Personal & Business Banking, of BMO Financial Group; all three Industry Directors sit on itOBSI · Board of Directors

$30,000 a year director fee; “all directors should be eligible for compensation, including industry directors” from 1 January 2024OBSI · Board Committees and Policies

$5,761,727 total compensation to consumers in 2025: 24 cents for every dollar of firm feesAnnual Report 2025, pp. 2, 55

3,546 of 5,084 investigations closed in 2025 with no compensationAnnual Report 2025, p. 56

TD: 134 of 717 TD cases closed in 2025 that OBSI counts as resolved to the customer's satisfaction: 18.7%, lowest of the six largest banks; all banks 29.7%Annual Report 2025, pp. 35–36

Not binding “OBSI's recommendations are not binding, meaning that firms do not have to follow them.” 2021–2025: 29 consumers received $824,134 less than OBSI recommendedAnnual Report 2025, p. 58

Since 1 December 2020 “There have been no banking or investments investigation reports published”; binding authority recommended by reviewers in 2011, 2016, 2021 and 2026Independent Evaluation of OBSI, July 2026

Five-year review terms written by OBSI's board; proposals screened by OBSI senior management; “OBSI's Board of Directors for a final decision”; budget under $140,000 paid by OBSI; report submitted to OBSI. The 2007 and 2011 reviewer's firm did the 2026 reviewOBSI Request for Proposals, 10 November 2025; Independent Reviews 2007, 2011, 2026

Offers withdrawn “increasing incidents of banks withdrawing settlement offers and goodwill offers made to consumers who escalate complaints to OBSI”; reported to regulators, no bank namedAnnual Report 2025, p. 62

Own words, 2011 after TD left OBSI on five days' notice: a service “chosen and paid for by the bank … creates the perception, if not the reality, of a loss of critical independence”OBSI Annual Report 2011

Secrecy every complainant must agree “not to call or attempt to compel the Ombudsman or OBSI staff to testify in any legal or regulatory proceedings relating to a Complaint”Terms of Reference, June 2022, s. 16.3

Record Financial statements, fiscal 2025

Record Bank membership fees, fiscal 2025

Record Annual Report 2025

Record By-law No. 1, 10 March 2026

Record Board of Directors

Record Board Committees and Policies

Record Participating Firm Fees

Record Independent Evaluation of OBSI, July 2026

Record Annual Report 2011

Record Terms of Reference, June 2022

Record FCAC, 1 November 2024

Record Request for Proposals, independent evaluation 2026