Meet with PWL Capital: https://pages.pwlcapital.com/en-ca/contact-us?utm_source=content&utm_medium=youtube&utm_campaign=rationalreminder_yt Avoid Online Scams https://pwlcapital.com/stay-safe-online/ Ben Felix or any PWL employee will never reach out to you on social media platforms or WhatsApp to give financial advice. These are scammers trying to commit fraud. Get Smarter About Money: https://www.getsmarteraboutmoney.ca/ Get Smarter About Trading Simulator: https://www.getsmarteraboutmoney.ca/tools/get-smarter-about-trading/ In this episode of the Rational Reminder Podcast, we are joined by Theresa Ebden, Vice President of the Investor Office at the Ontario Securities Commission, for a deep dive into how regulators are thinking about modern investor risks—from AI-powered scams to finfluencers and the gamification of investing apps. Theresa explains how the OSC works to protect investors through policy, education, behavioral research, and direct engagement with the public, and why investor education is one of the most powerful tools regulators have. Timestamps: 0:00:00 Intro 0:06:28 Theresa explains what the Ontario Securities Commission is 0:07:17 Describing what the OSC Investor Office does 0:10:47 How the OSC decides what to focus on 0:18:50 Describing the GetSmarterAboutMoney site, its audience, and who creates the content featured on it 0:14:03 The kinds of questions, inquiries and reports the Investor Office gets from the public 0:24:28 Describing some of the major retail investor issues that the OSC are watching 0:29:22 What Ben should do when made aware of AI impersonators 0:35:36 Describing what a finfluencer is 0:38:13 Why people are getting their financial advice from finfluencers 0:43:43 How consumers of financial advice should separate good from bad advice online 0:49:48 How AI is being used to perpetuate investor scams 0:53:14 Some of the mitigations that can be used to reduce the effectiveness of AI scams 1:04:11 How gamification in investing apps may be affecting retail investor behaviour 1:07:06 Describing how the Get Smarter About Trading simulator works 1:10:50 Which of the OSC priorities or initiatives Theresa is most excited about 1:13:44 Theresa defines success in her life Links From Today’s Episode: Rational Reminder on iTunes — https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582. Rational Reminder on Instagram — https://www.instagram.com/rationalreminder/ Rational Reminder on YouTube — https://www.youtube.com/channel/ Benjamin Felix — https://pwlcapital.com/our-team/ Benjamin on X — https://x.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ Dan Bortolotti — https://pwlcapital.com/our-team/ Dan Bortolotti on LinkedIn — https://ca.linkedin.com/in/dan-bortolotti-8a482310