All banks, and trust, loan and insurance companies and retail associations that are federally regulated (or that are incorporated at the federal level) must have a complaint-handling process in place for individuals and small businesses. This process details how a customer may make a complaint, and it must be available in all branches of the institution, on its website, and must be sent in writing to anyone who requests it. Each organization’s complaint-handling process is also filed with the Financial Consumer Agency of Canada (FCAC).