Q-1033 , 45th Parliament, 1st session May 26, 2025, to present

With regard to Farm Credit Canada's policies on a borrower's access to, and the corporation's internal controls over, personal accounts: (a) what is Farm Credit Canada's internal process for removing a borrower's access to their own loan account or online borrower portal; (b) under what circumstances would Farm Credit Canada be permitted to remove a borrower's access to their own account; (c) how does Farm Credit Canada verify borrower authority before changing, restricting or removing account access; (d) can a third party request that a borrower's access be removed, and, if so, under what authority and with what documentation; (e) what audit trail is created when borrower access changes occur, including the date, originating request, approving authority, employee action and system action, and how is this information made available to the borrower; (f) what recourse does a borrower have if access is removed incorrectly or without authorization; (g) what internal communications are created within Farm Credit Canada when concerns arise about a borrower account, including emails, notes, system narratives and any other type of communication; (h) when employees internally discuss a borrower account, what requirements are in place to document the (i) issue being considered, (ii) rationale for decision-making, (iii) individuals involved in those decisions; (i) what policies exist to ensure that any internal discussions about a borrower are disclosed or communicated to that borrower; (j) under what circumstances is Farm Credit Canada permitted to make decisions affecting a borrower's account without contacting the borrower; (k) what internal criteria or thresholds must be met before Farm Credit Canada can (i) delay communication with a borrower, (ii) avoid contacting a borrower, (iii) proceed with decisions without a borrower's input; (I) are employees required to document why a borrower was not contacted before or after decisions affecting their account were made; (m) what oversight exists to ensure that communication with the borrower is not intentionally avoided or delayed; (n) when internal records indicate that decisions were made without contacting the borrower, how is that reviewed or audited; (o) are there internal escalation requirements when (i) a borrower is excluded from discussions about their own account, (ii) decisions are made without a borrower's awareness, and, if so, what are the requirements; (p) what policies ensure that all material decisions and communications regarding a borrower's account are fully documented in Farm Credit Canada's system records; and (q) what internal review process is triggered when Farm Credit Canada records later show no explanation or incomplete documentation for a decision affecting a borrower?