This brief is the joint submission of the Canadian Literacy and Learning Network (CLLN), Momentum Calgary, SEED Winnipeg, Social and Enterprise Development Innovations (SEDI), and St. Christopher House in Toronto – five non-profit organizations working to strengthen the financial inclusion and well-being of low-income and vulnerable Canadians. While the purpose of a financial consumer protection framework is, first and foremost, to prevent practices harmful to consumers, not to alleviate poverty, we believe it should also be designed to promote positive practices that advance the financial inclusion and wellbeing of all Canadians.