HomeMy WebLinkAboutHuron Expositor, 2017-05-24, Page 44 Huron Expositor • Wednesday. May 24, 2017
lilironCall inquest into
Expositor group home deaths
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How many children have
to die in Ontario's foster
and group homes before
the province's chief coroner
agrees to conduct an inquest that
might shed light on the causes?
This should be a no-brainer. In
the past six months five teens and
one caregiver have died in provin-
cial care, raising a host of questions
about problems in the system.
The association representing
Ontario's children aid societies,
a range of First Nations leaders
and organizations, and the prov-
ince's child advocate have all
joined in the call for an inquest.
The chief coroner's office should
agree in order to get to the bot-
tom of what's behind the deaths.
Four of the deaths involve
indigenous girls from northern
Ontario who were living in pro-
vincial group home care. At least
one took her own life, and a sec-
ond reportedly also committed
suicide. Another drowned and
the fourth died in a fire.
All those deaths raise serious
questions about what kind of
mental health and social ser-
vices were available to the girls,
and why they had to he cared for
hundreds of kilometers away
from home rather than in their
own communities.
Another teen in care, as well as
a young caregiver, also died when
fire swept through a privately run
foster care home near Lindsay. As
the Star reported this week, a door
in the room where the two died
was bolted shut.
On the most basic level, their
deaths raise questions about lax
safety standards in foster and
group homes. Both serve chil-
dren and youth who are taken
from their families for protection
by children's aid societies, or sent
there by parents concerned
about mental health or behavio-
ral issues. •
There's concem about minimum
standards - including the frequency
of fire inspections and whether
homes have proper fire safety plans.
Beyond that, staffin these homes
have no minimum training require-
ments and tend to be poorly paid.
It's a formula for failure.
Ontario has more than 15,000
young people in foster and
group homes. There's plenty of
evidence that they don't get the
kind of care they deserve, and
the province's child advocate,
Irwin Elman, is sounding the
alarm about the recent deaths.
"These are human lives," he says.
"It is a huge loss and they die on
Ontario's watch"
The province's minister for
children, Michael Coteau,
agrees the problems run deep
and promises a "blueprint for
reform" in coming weeks.
That's fine, but in the mean-
time the coroner's office should
take the concrete step of con-
ducting an inquest into the
recent spate of deaths. That
would shine a spotlight on steps
that can be taken quickly.
Banks should be made to act in clients' best interests
One would think the notion
that financial advisers
should be required by law
to put their clients' best interests
ahead of their own would be rather
uncontroversial. Yet for more than
a decade efforts to create a
national best -interest standard
have gone nowhere. Last week,
after five years of negotiations, all
but two of the country's provincial
financial regulators walked away
from the idea.
That's a shame. At a time of low
interest rates and increased capi-
tal requirements, Canadian banks
nevertheless continue to see sky-
rocketing profits, boosted in part
by a troubling combination of
exploitative sales practices and
inadequate consumer protection.
In March, three TD Bank
Group employees told CBC
News about the "incredible
pressure" they and their col-
leagues are under to meet sales
goals variously described as
"aggressive," "unrealistic" and
"insane" "When 1 come into
work," said one, "I have to put
my ethics aside and not do
what's right for the customer."
In the days following those rev-
elations, hundreds of employees
from all the major banks came
forward with similar allegations.
Sales quotas are so high, they said,
that the only way to meet them is
to aggressively upsell, or worse,
surreptitiously extend customers'
credit limits or charge them for
other new products without their
consent. (All the banks deny these
allegations.)
While some of these tactics are
illegal, many others are not. In
Canada, financial "advisors" are
salespeople who have no legal
obligation to act in a client's inter-
est. That's opposed to the rela-
tively small group of "advisers" -
see the difference? - who do have
a legal fiduciary duty. That is,
"advisers" with an "e" are trust-
worthy; "advisors" with an "o" not
so much. If you're confused, pre-
sumably that's the point.
Yet despite the evident
inadequacy of the current rules,
most of the provincial regulators
charged with protecting both cli-
ents and the economy from bad -
acting banks and investment
firms seem content with the sta-
tus quo. According to a statement
released last week by the recalci-
trant securities commissions, the
problem with a best -interest
standard is that it would give cli-
ents a false sense of security.
In other words, banks will be
banks - and it's unfair to the public
to pretend otherwise. There's no
better protection, they seem to be
saying, than caveat emptor
The evidence, however, says oth-
erwise. As Ottawa's and Ontario's
financial regulators have repeatedly
argued in a compelling series of
reports, a best -interest standard
would do much to dissuade hanks
from unethical sales practices and
therefore insulate investors. Evi-
dently, Australia and the United
Kingdom agree. Both countries
recently adopted fiduciary -duty
laws, and the European Union is
expected soon to join them.
The Ontario Securities Commis-
sion and its New Brunswick coun-
terpart now say they intend to go it
alone on pursuing such protec-
tions. That would be a welcome
step, but no substitute for a
national standard. Everyone in the
country deserves to be protected
from unethical financial practices.
That's now up to Ottawa - and
the feds have a golden opportu-
nity. The Trudeau government is
currently in the process of
reviewing the federal legislation
governing financial institutions,
and is looking to replace the
provincial regulators with a sin-
gle national body.
The notion that banks should be
allowed to pursue their self-inter-
est unchecked, that the only pro-
tection consumers deserve is their
own skepticism, is not just nasty;
as the 2008 financial meltdown
showed, it's also dangerous. A
national best -interest standard
would be in the best interests of cli-
ents, yes, but also of the country.
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