<?xml version="1.0"?><Regulation lims:pit-date="2022-06-29" hasPreviousVersion="true" lims:lastAmendedDate="2022-06-29" lims:current-date="2022-07-13" lims:inforce-start-date="2013-03-21" lims:fid="803108" lims:id="803108" gazette-part="II" in-force="yes" regulation-type="SOR" xml:lang="en" xmlns:lims="http://justice.gc.ca/lims"><Identification lims:inforce-start-date="2013-03-21" lims:fid="803109" lims:id="803109"><InstrumentNumber>SOR/2013-48</InstrumentNumber><RegistrationDate><Date><YYYY>2013</YYYY><MM>3</MM><DD>21</DD></Date></RegistrationDate><ConsolidationDate lims:inforce-start-date="2013-03-21"><Date><YYYY>2022</YYYY><MM>7</MM><DD>14</DD></Date></ConsolidationDate><EnablingAuthority lims:inforce-start-date="2013-03-21" lims:fid="803111" lims:id="803111"><XRefExternal reference-type="act" link="B-1.01">BANK ACT</XRefExternal></EnablingAuthority><LongTitle lims:inforce-start-date="2013-03-21" lims:fid="803112" lims:id="803112">Complaints (Banks, Authorized Foreign Banks and External Complaints Bodies) Regulations</LongTitle><RegulationMakerOrder><RegulationMaker>P.C.</RegulationMaker><OrderNumber>2013-307</OrderNumber><Date><YYYY>2013</YYYY><MM>3</MM><DD>21</DD></Date></RegulationMakerOrder></Identification><Repealed lims:inforce-start-date="2022-06-29" lims:enacted-date="2021-08-04" lims:fid="1370618" lims:id="1370618">[Repealed, SOR/2021-181, s. 122]</Repealed><RecentAmendments><Amendment><AmendmentCitation>SOR/2021-181</AmendmentCitation><AmendmentDate>2022-06-29</AmendmentDate></Amendment><Amendment><AmendmentCitation>SOR/2020-47</AmendmentCitation><AmendmentDate>2020-03-16</AmendmentDate></Amendment></RecentAmendments></Regulation>