Recently, PIAC commented on the Department of Finance Canada’s Consultation on Strengthening Canada’s External Complaint Handling System in Banking. The Consultation was released following two reports by the Financial Consumer Agency of Canada (FCAC): “Bank Complaint Handling Procedures” and “The Operations of External Complaints Bodies” which identified a number of deficiencies in the complaint handling policies, procedures and operations of banks and external complaint bodies (ECBs), organizations that review complaints that are not satisfactorily resolved by a banks internal complaints handling system. Unfortunately, the Consultation did not seek feedback on banks’ internal complaints handling processes, an issue we raised in our comments. Despite the Consultation’s narrow scope, we generally support the government’s efforts to improve the ECB system in banking. In our submission, we ask that the government move away from the current multiple ECB system and towards designating a single ECB to oversee all banking services complaints.