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                        <lastmod>2024-06-07</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/mortgage-prepayment-penalty-still-applies-despite-poor-service/</loc>
                        <lastmod>2024-07-11</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/participating-in-the-home-buyer-s-plan-hbp-twice/</loc>
                        <lastmod>2024-07-11</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/divorced-partner-refused-to-help-repay-joint-line-of-credit/</loc>
                        <lastmod>2024-07-11</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/resp-dealers-join-ombudsman-service-obsi/</loc>
                        <lastmod>2024-06-10</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/september-14-2007-issue/</loc>
                        <lastmod>2024-06-10</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/bank-responsible-for-inconvenience-due-to-undisclosed-mortgage-documents/</loc>
                        <lastmod>2024-07-11</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/mutual-fund-firm-refuses-obsi-recommendation/</loc>
                        <lastmod>2024-05-23</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/advisor-made-excessively-frequent-trades-for-the-sole-purpose-of-increasing-commissions/</loc>
                        <lastmod>2024-07-11</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/payments-processing-scam/</loc>
                        <lastmod>2024-08-27</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/retired-investor-borrowed-to-buy-high-risk-investments/</loc>
                        <lastmod>2024-08-27</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/using-easily-guessable-passwords/</loc>
                        <lastmod>2024-07-11</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/saskatchewan-credit-unions-join-ombudsman-service/</loc>
                        <lastmod>2024-06-10</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/investors-complained-after-accepting-firms-error/</loc>
                        <lastmod>2024-08-27</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/forged-signature-on-lost-cheques/</loc>
                        <lastmod>2024-07-11</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/new-advisor-did-not-ask-about-risk-tolerance-or-investment-horizon/</loc>
                        <lastmod>2024-08-27</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/unauthorized-atm-withdrawal/</loc>
                        <lastmod>2024-07-11</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/ombudsman-welcomes-investor-protection-changes-in-ontario/</loc>
                        <lastmod>2024-06-10</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/overpayment-scam/</loc>
                        <lastmod>2024-08-27</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/investors-risk-and-financial-profiles-ignored-by-advisor/</loc>
                        <lastmod>2024-08-27</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/mutual-fund-change-caused-fees-to-increase/</loc>
                        <lastmod>2024-07-11</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/dispute-over-mortgage-prepayment-terms/</loc>
                        <lastmod>2024-07-11</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/small-business-relied-on-authorization-number/</loc>
                        <lastmod>2024-08-27</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/giving-your-pin-to-your-friend/</loc>
                        <lastmod>2024-08-27</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/low-risk-investor-held-high-risk-debentures/</loc>
                        <lastmod>2024-08-27</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/investor-dismisses-firms-fair-offer-for-unsuitable-investments/</loc>
                        <lastmod>2024-07-11</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/investor-complained-advisor-traded-too-frequently/</loc>
                        <lastmod>2024-07-11</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/may-17-2012-issue/</loc>
                        <lastmod>2024-06-11</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/obsi-e-news-q12024/</loc>
                        <lastmod>2025-07-23</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/transfer-delays-lead-to-additional-costs-when-settling-father-s-estate/</loc>
                        <lastmod>2024-07-18</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/investor-accepts-low-settlement-offer-by-firm-despite-significant-losses-from-unsuitable-investments/</loc>
                        <lastmod>2024-07-18</lastmod>
                    </url>
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                        <loc>https://www.obsi.ca/en/news/posts/consumer-a-victim-of-fraud-but-bank-not-responsible-for-loss/</loc>
                        <lastmod>2024-08-27</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/obsi-announces-search-for-two-new-board-members/</loc>
                        <lastmod>2024-07-22</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/obsi-e-news-q22024/</loc>
                        <lastmod>2025-06-10</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/obsi-launches-new-website/</loc>
                        <lastmod>2024-09-24</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/approach-to-loss-calculation-illiquid-exempt-market-securities-2024/</loc>
                        <lastmod>2025-08-13</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/obsi-consultation-on-loss-calculation-for-complaints-involving-unsuitably-sold-illiquid-exempt-market-securities-request-for-public-comment/</loc>
                        <lastmod>2024-09-26</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/obsi-hosts-annual-meeting-of-financial-services-ombuds-from-around-the-world/</loc>
                        <lastmod>2024-09-30</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/obsi-supports-federal-department-of-finance-proposals-to-protect-consumers-from-fraud/</loc>
                        <lastmod>2024-10-16</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/obsi-ready-to-welcome-all-canadian-banks-and-their-customers-november-1/</loc>
                        <lastmod>2024-10-16</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/obsi-e-news-q32024/</loc>
                        <lastmod>2025-06-10</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/firm-bulletin-2025-fees-for-participating-firms/</loc>
                        <lastmod>2024-10-23</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/obsi-becomes-sole-banking-ombudsman-for-canadian-customers-of-federally-regulated-banks/</loc>
                        <lastmod>2024-11-12</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/approach-to-loss-calculation-illiquid-exempt-market-securities-2024-public-consultation-closed/</loc>
                        <lastmod>2024-11-22</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/missed-payments-result-in-increased-interest-costs-for-consumer-after-balance-transfer/</loc>
                        <lastmod>2025-01-30</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/consumer-challenges-interest-charges-after-accepting-balance-transfer-promotion/</loc>
                        <lastmod>2025-01-29</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/consumer-bulletin-things-to-consider-before-you-accept-a-balance-transfer-offer/</loc>
                        <lastmod>2025-02-14</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/obsi-e-news-q42024/</loc>
                        <lastmod>2025-06-10</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/obsi-announces-new-board-members-2025/</loc>
                        <lastmod>2026-03-12</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/obsi-2024-annual-report-released/</loc>
                        <lastmod>2026-03-11</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/obsi-e-news-q12025/</loc>
                        <lastmod>2025-05-28</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/unsuitable-investments-lead-to-62k-loss-for-investor/</loc>
                        <lastmod>2025-06-19</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/investor-misses-investment-opportunity-due-to-firm-s-miscommunication/</loc>
                        <lastmod>2025-12-16</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/firm-bulletin-improved-uploads-case-views-and-stats-what-s-new-in-the-firm-portal/</loc>
                        <lastmod>2025-08-06</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/consultation-on-loss-calculation-for-complaints-involving-unsuitably-sold-illiquid-exempt-market-securities-obsi-response-to-comments-received/</loc>
                        <lastmod>2025-08-19</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/obsi-e-news-q22025/</loc>
                        <lastmod>2025-09-09</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/firm-bulletin-2026-fees-for-participating-firms/</loc>
                        <lastmod>2025-11-20</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/consumer-bulletin-an-investor-s-guide-to-understanding-investment-suitability-and-working-with-an-investment-advisor/</loc>
                        <lastmod>2025-10-01</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/firm-bulletin-obsi-launches-proactive-resolution-initiative-pilot/</loc>
                        <lastmod>2026-02-27</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/obsi-e-news-q32025/</loc>
                        <lastmod>2025-11-26</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/firm-bulletin-proactive-resolution-initiative-pilot-extended/</loc>
                        <lastmod>2026-02-27</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/investor-loses-access-to-trading-account-after-firm-ends-relationship/</loc>
                        <lastmod>2026-01-23</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/crkhoury-to-conduct-obsi-s-2026-independent-external-reviews/</loc>
                        <lastmod>2026-01-26</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/obsi-2026-external-review-public-consultation/</loc>
                        <lastmod>2026-03-20</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/obsi-e-news-q42025/</loc>
                        <lastmod>2026-03-02</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/update-obsi-2026-external-review-public-consultation/</loc>
                        <lastmod>2026-03-20</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/obsi-announces-two-new-board-members/</loc>
                        <lastmod>2026-03-11</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/obsi-2025-annual-report-released/</loc>
                        <lastmod>2026-03-19</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/news/posts/independent-evaluation-of-obsi-2026/</loc>
                        <lastmod>2026-04-02</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/for-consumers/</loc>
                        <lastmod>2025-09-18</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/for-consumers/can-obsi-help/</loc>
                        <lastmod>2025-08-12</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/for-consumers/can-obsi-help/considering-legal-action/</loc>
                        <lastmod>2025-07-15</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/for-consumers/consumer-bulletins/</loc>
                        <lastmod>2024-08-29</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/for-consumers/consumer-portal/</loc>
                        <lastmod>2024-07-15</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/for-consumers/consumer-resources/</loc>
                        <lastmod>2025-08-19</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/for-consumers/consumer-resources/obsi-documents/</loc>
                        <lastmod>2026-03-26</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/for-consumers/faqs/</loc>
                        <lastmod>2025-07-04</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/for-consumers/faqs/single-ecb-transition-faqs/</loc>
                        <lastmod>2024-11-01</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/for-consumers/find-your-firm/</loc>
                        <lastmod>2026-03-16</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/for-consumers/how-the-complaint-process-works/</loc>
                        <lastmod>2026-03-26</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/for-consumers/how-were-funded/</loc>
                        <lastmod>2025-07-04</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/for-consumers/make-a-complaint/</loc>
                        <lastmod>2024-08-29</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/for-consumers/past-feedback-and-input/</loc>
                        <lastmod>2026-03-10</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/for-consumers/past-feedback-and-input/2024-consumer-survey/</loc>
                        <lastmod>2026-03-10</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/for-consumers/past-feedback-and-input/2023-consumer-survey/</loc>
                        <lastmod>2025-03-18</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/for-consumers/past-feedback-and-input/2022-consumer-survey/</loc>
                        <lastmod>2025-03-18</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/for-consumers/past-feedback-and-input/2021-consumer-survey/</loc>
                        <lastmod>2024-07-15</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/for-consumers/past-feedback-and-input/2020-consumer-survey/</loc>
                        <lastmod>2024-07-15</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/for-consumers/past-feedback-and-input/2019-consumer-survey/</loc>
                        <lastmod>2024-07-15</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/for-consumers/past-feedback-and-input/2018-consumer-survey/</loc>
                        <lastmod>2024-07-16</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/for-consumers/past-feedback-and-input/2017-consumer-survey/</loc>
                        <lastmod>2024-07-15</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/for-consumers/video-library/</loc>
                        <lastmod>2025-07-04</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/for-consumers/what-to-expect-for-consumers/</loc>
                        <lastmod>2025-07-04</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/for-firms/</loc>
                        <lastmod>2026-02-19</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/for-firms/become-a-participating-firm/</loc>
                        <lastmod>2026-03-06</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/for-firms/participating-firm-fees/</loc>
                        <lastmod>2026-03-06</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/for-firms/firm-bulletins/</loc>
                        <lastmod>2024-08-29</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/for-firms/firm-feedback-and-input/</loc>
                        <lastmod>2026-03-11</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/for-firms/firm-feedback-and-input/2024-firm-survey/</loc>
                        <lastmod>2026-03-11</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/for-firms/firm-feedback-and-input/2023-firm-survey/</loc>
                        <lastmod>2025-03-18</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/for-firms/firm-feedback-and-input/2022-firm-survey/</loc>
                        <lastmod>2025-03-18</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/for-firms/firm-feedback-and-input/2021-firm-survey/</loc>
                        <lastmod>2024-07-16</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/for-firms/firm-feedback-and-input/2020-firm-survey/</loc>
                        <lastmod>2024-07-16</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/for-firms/firm-feedback-and-input/2019-firm-survey/</loc>
                        <lastmod>2024-07-16</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/for-firms/firm-feedback-and-input/2018-firm-survey/</loc>
                        <lastmod>2024-07-16</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/for-firms/firm-feedback-and-input/2017-firm-survey/</loc>
                        <lastmod>2024-07-16</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/for-firms/firm-helpdesk/</loc>
                        <lastmod>2025-07-04</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/for-firms/firm-portal/</loc>
                        <lastmod>2024-07-17</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/for-firms/firm-resources/</loc>
                        <lastmod>2025-07-04</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/for-firms/participating-firm-search/</loc>
                        <lastmod>2026-03-06</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/for-firms/what-to-expect-for-firms/</loc>
                        <lastmod>2026-03-30</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/how-we-work/</loc>
                        <lastmod>2026-04-01</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/how-we-work/faqs/</loc>
                        <lastmod>2025-08-08</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/how-we-work/our-approaches/</loc>
                        <lastmod>2025-10-24</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/how-we-work/our-approaches/cheques/</loc>
                        <lastmod>2025-07-04</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/how-we-work/our-approaches/comprehensive-investment-loss-calculation/</loc>
                        <lastmod>2025-07-04</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/how-we-work/our-approaches/confidentiality/</loc>
                        <lastmod>2025-07-04</lastmod>
                    </url>
                    <url>
                        <loc>https://www.obsi.ca/en/how-we-work/our-approaches/disputed-credit-card-charges/</loc>
                        <lastmod>2025-07-04</lastmod>
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