-- Romana Didulo CULT Decree "Fair Banking Practices" As read by Stinkey Prime on nightly "QRTRV News" video stream. 29 November 2025 PDF: https://pdfhost.io/xxxxxxxxxxxxxxxxxxxxxxx -- Page 0 - 11/29/2025 - Fair Banking Practices Grand Rising, Everyone. Divini Homines 19, 0035, also known as November 29, 2025. Okay. And here's the salt water. Since it is early in the am this is salt water before I drink anything else this is the first thing i drink in the am. Okay now hang on here because my wardrobe seems to be uneven and since we are humble we don't have a staff of fifty thousand just to fix my wardrobe so it's this side, okay all right well it continues to pull on this side here. All right anyhow so, Grand rising everyone, here's another Royal Decree issued by Her Royal Majesty Queen Romana Didulo The First, Queen and Commander- in-Chief of The Kingdom of Canada and the World, Living Crown and Custodian of Earth and Humanity, Commander-in-Chief United Armies of Earth under Natural Law. That's salt water. All right. So here's the name of the Royal Decree: Fair Banking Practices and Consumer Protection. Effective date, forthwith. That means now and retroactively, February 3rd, 2022. Preamble. Whereas it is the responsibility of Her Royal Majesty Queen Romana Didulo The First, The Living Crown, Custodian of Earth and Humanity, Commander-in-Chief of The United Armies of Earth, Queen and Commander-in-Chief of The Kingdom of Canada, and The World under Natural Law to safeguard the rights and welfare of all Canadian Nationals, and to ensure the integrity and fairness of the financial system. And whereas certain financial institutions operating in The Kingdom of Canada have engaged in unjustified account closures and service restrictions without adequate due process or transparent justification, causing financial harm to individuals and businesses. And whereas such practices undermine consumer confidence in the banking system and violate fundamental principles of fairness, accountability, and consumer protection. And whereas it is necessary to establish clear regulatory standards and enforcement mechanisms to prevent such practices and ensure institutional accountability. Now, therefore, I am Her Royal Majesty Queen Romana Didulo The First hereby establish and Decree the following, Fair Banking Practices and Consumer Protection. Article I: Objective This Act ensures that all financial institutions operating in The Kingdom of Canada conduct business in a manner that protects consumer rights, promotes transparency, and maintains the integrity of the Canadian financial system. This Act aims to prevent unjustified debanking practices that adversely affect individuals or businesses without proper justification or due process. All financial institutions operating in The Kingdom of Canada shall adhere to the following principles. I would like to make this clear to those who have limited, limited or low energy intellect. When I speak of The Kingdom of Canada, it has nothing to do with Canada. Canada is a corporation, The Kingdom of Canada is not. So don't get your knickers all twisted up. Now, So this is all financial institutions operating in The Kingdom of Canada shall adhere to the following principles. 1] Consumer Protection. All customers shall be treated fairly, transparently, and with respect. 2] Accountability. Institutions shall provide clear and verifiable evidence and justifiable reasons for any account closure or service restriction. Page 1 - 11/29/2025 - Fair Banking Practices 3] Regulatory Oversight. Regulatory authority shall enforce compliance with these principles and take appropriate enforcement action when necessary, including but not limited to. A] immediate stoppage and closure of the violating institution. B] criminal charges where corruption, political interference, coercion, blackmail, extortion is found and evident in the decisions which led to the closure of a bank account or bank accounts of an individual or business, respectively. 4] Public Trust. Maintaining consumer confidence in the banking system is a shared responsibility of financial institutions and regulatory bodies. Article III: Regulatory Requirements. In The Kingdom of Canada, all financial institutions shall comply with the following requirements. 1] Mandatory Reporting. Financial institutions in The Kingdom of Canada must report all account closures or service restrictions to the Office of the Superintendent of Financial Institutions and the Financial Consumer Agency of The Kingdom of Canada within 24 hours of the closure of the bank account. 2] Written Justification Institutions must provide customers with written documentation with evidence of violations, explaining the reason for the closure or restriction, including any applicable legal or regulatory basis. So this prevents basically this #2, Written Justification, prevents anyone from closing People's bank accounts because they don't like them or they don't agree with People's opinion. So they call their friend who may be a bank account manager and say, close so-and-so's bank account. You know what that is? That's corruption. That's coercion. That's political interference. If they happen to be in any position of power, that's blackmail, extortion, you can name it. 3] Appeals Process. Customers have the right to appeal decisions through an independent review mechanism established by the regulatory authorities led by civilians and independent of the financial institutions. These are your forensic audit teams that are led by civilians. If you are practicing, if you are aware of Magna Carta, this would be your grand jury. We'll keep it simple, If you're not being fair to the We The People of The Kingdom of Canada, then why should we give you and continue to grant you business license to operate in The Kingdom of Canada? You can take your business elsewhere also. Article IV: Forensic Audit and Fraud Prevention Requirements. In The Kingdom of Canada, all financial institutions shall implement the following measures to ensure operational integrity. 1] Forensic Audit Integration. Financial institutions in The Kingdom of Canada must integrate forensic audit practices into their internal control systems to detect and prevent fraud, abuse, financial irregularities, and money laundering activities. Now keep this in mind People who send money to their friends and families are not laundering, that is called family assistance and that is their freedom to send money to anyone they wish to send. Now if you're jealous that's just one, that's your problem because you don't have families and friends that help you when you are in a bind, but nothing is illegal about that. All right. 2] Technology Implementation. Institutions must leverage advanced technologies, including artificial intelligence, machine learning, blockchain, and hidden Markov model algorithm to enhance fraud detection and internal audit capabilities. Yes. 3] Staff Training and Development. Financial institutions must ensure that personnel, including forensic accountants and auditors receive appropriate training in modern fraud detection techniques and forensic audit methodologies, including political interference, coercion, blackmail, and extortion, etc., etc. Page 2 - 11/29/2025 - Fair Banking Practices This will prevent anyone who has friends at the bank, anyone who is in the position of power and influence from calling their friends at the bank who happens to be a bank manager and say, oh, I don't like that guy there, or I don't like that group, close their bank account. Uh-uh. That's a 3-D energy, it doesn't exist in The Kingdom of Canada. 4] Biannual Forensic Audits. So that's every six months. All financial institutions in The Kingdom of Canada shall undergo comprehensive forensic audits conducted by independent third-party auditors appointed by The Kingdom of Canada to assess compliance with this Act and identify any systemic issues or irregularities. That's The Kingdom of Canada's OSFI. Many of you, that's the Office of the Superintendent of Financial Institutions. Many of you may remember that I issued a Royal Decree that pertained to the Office of the Superintendent of Financial Institutions in The Kingdom of Canada. Okay, Article V: Enforcement and Penalties. In The Kingdom of Canada, noncompliance with this Act shall result in the following enforcement actions. 1] Warning Notice. First time, noncompliance may result in a formal warning notice and requirement to implement corrective action with a specified timeframe. That's thirty days. 2] Financial Penalties. Repeat or severe non-compliance will result in financial penalties of up to one billion dollars daily, backed by gold and or silver, 99.99 percent purity for every violation. So that is for every bank account, whether business or individual's bank account that has been closed by your financial institution in The Kingdom of Canada. 3] License Suspension. Institutions found to be repeatedly, so that's two to three occurrences engaging in unjustified debanking practices will face suspension forthwith. Forthwith for the children, it means right now, of their banking license for a period of five years. So their license will be suspended. That means they won't be able to practice or do banking for five years. 4] License Revocation. In The Kingdom of Canada, institutions found to be in a egregious or persistent violation of this Act will face permanent revocation of their bank-, banking license thereby prohibiting them from conducting business operations in The Kingdom of Canada permanently. So they can pack up and go if their policies are oppressive towards We The People of The Kingdom of Canada. Article VI, Monitoring and Review Mechanisms. In the Kingdom of Canada, the regulatory authorities shall implement the following monitoring and review mechanisms. 1] Biannual Compliance Audits. All financial institutions in The Kingdom of Canada must undergo biannually audits to verify compliance with this Act. 2] Public Disclosure. The OSFI and FCAC of The Kingdom of Canada shall publish an annual report detailing enforcement actions, trends in debanking practices, and forensic audit findings. 3] This Act shall be subject to The Living Crown's review every thirty days to assess effectiveness and implement necessary amendments. Article VII: Implementation Framework. This Act shall be implemented by The Kingdom of Canada in collaboration with the OSFIFCA, pardon me, FCAC and the Banking Association of The Kingdom of Canada. A transition period of thirty days shall be provided for financial institutions to achieve full compliance with the requirements of this act. Page 3 - 11/29/2025 - Fair Banking Practices Article VIII: Effective Date. This Royal Decree is effective immediately and retroactive February 3rd, 2022 issued under My Royal Hand and Seal at the government house in Regina November 29, 2025. Her Royal Majesty Queen Romana Didulo The First, Queen and Commander-in-Chief of The Kingdom of Canada and The World. Next is the High Level Rationale as to why this Royal Decree was issued now and I hear someone, many actually, asking how come Queen Romana has many titles. In the ancient times there were people, there were monarchs who had many, many titles. Some would have taken them half a day just to read the title of the monarch of that day, including even their bloodline. They would name the ancestors and their titles from the mother's side and the father's side. And as far as the titles they held, it's even longer. It would take probably five days if they put the title of that monarch there that has been bestowed by their families and the ancient leadership. And that is also called for those who have multiple titles, that is called multidimensional capabilities. In the 3-D world, you know that by the word multitasking. I'm aware that many of you are on this channel, watching and wondering, who writes the Royal Decrees and does Queen Romana have someone writing Royal Decrees? The answer is Queen Romana writes these Decrees and align with the Benevolent Highest Beings up there. So my advice to those of you who have limited knowledge, low energy intellect, not to fear someone you do not know. And the Royal Decrees are there to guide the We The People, to help the We The People, and to advocate for the We The People. And that includes you and your families and your children and your grandchildren for millennials and generations to come. So do not fear what is unknown. Fear simply tells you, and you can tell yourself this, fear simply means you are afraid of something, yet that you do not know. But it doesn't mean that what you are afraid of, and that fear is based on truth and facts. It simply means that your brain is not capable of processing and has not been, your eyes has not been exposed to someone's capabilities as far as multitasking, being multidimensional. That's what it means. And I'm the last person in this case to have the time for drama or to entertain any low energy intellect walking around as individuals. Know that when you, or before you even come to me, I know your energy. I see who you are, even if you don't know who you are. I know and see the attachments, the energetic attachments that you have that you may not even know you have. To those who have had the privilege of interacting with me, you know very well, I am the most peaceful individual you can meet. Most balanced, most gracious and humble individual you will ever meet. The kindest person you will ever meet. But for those who have not met me, fear not, for I am here to help you. And you can see with the Royal Decrees for The Kingdom of Canada, it is based on peace, love, prosperity, kindness, generosity. It has nothing to do with violence. And those who have created false social media accounts, have created social media with my name pretending that they are me, those who have created email addresses pretending to be me, masquerading as Queen Romana, I know exactly who you are. Those who have sent threats via email, via social media. Remember, there are technologies. Your cell phones, every machine has an identification code that we can trace. So you may want to hide behind the, or you might be comfortable hiding behind a fake social media account pretending to be Queen Romana or an email address pretending to be Queen Romana, but rest assured there are technologies that can trace every cell phone number And every cell phone, what is it? IMI, I believe it is, starts with an I. It's embedded in the cell phone. There's that. Each cell phone has that identification, particular identification. And when we do forensic audit, we can trace who sent what to whom and where. So remember that. So for those of you who have pretended to be me on social media and sent derog-, derogatory messages, and threatening messages to People to give me and the team bad names, The forensic auditors, technology forensic auditors will soon be knocking at your door. Because no one should be pretending that you are Queen Romana and send very bad, nasty messages to People to give me bad names simply because you do not like me, but you've never met me. And even more, you've never read anything about the Royal Decrees that benefits the We The People. It doesn't benefit me, also myself, no. It benefits the We The People. But that's what makes you scared that the We The People will Awaken to that true knowledge. And I do not need your permission to be the Queen of The Kingdom of Canada. It has nothing to do with Canada. Remember that. Queen of The Kingdom of Canada. Two separate entities, The Kingdom of Canada and you have Canada. Page 4 - 11/29/2025 - Fair Banking Practices Now here is the rationale for that Royal Decree. I thought I should address that because there seems to be many low-hanging fruits, many gullible People. And all that is noise. I'm the easiest person you can talk to once you have met me. Requesting to meet me doesn't always get you granted an audience. Now you might ask why you did not get an audience from Queen Romana. Ask yourself that. What is your energy? Are you an aggressive energy? Or are you full of ego energy? Is your energy aggressive? Does your brain actually work? Or is it part of a group think whereby you never are capable of thinking for yourself? What comes to mind is easy to belong rather than stand alone. So that's perhaps one of the reasons why you never received an audience with Queen Romana. Because I don't have time for drama. That's not in my, my energy. I don't waste my energy on People's drama and People who are very loud or louder than they're able to think. Those who are manufacturing false narratives. You continue to manufacture false narrative about Queen Romana and you keep asking yourself why you didn't receive an audience with Queen Romana. It takes an exceptionally dense individual to keep asking that question. Because as I said the many People who have met me will tell you I am the easiest one to communicate with, the most gentle, but my gentleness doesn't mean weakness and my silence doesn't mean tolerance. I am simply observing your energy. Now to the... back to the rationale it seems I needed to relay that message today. High Level Rationale based on the current regulatory landscape in The Kingdom of Canada there are several compelling reasons for issuing this Royal Decree at this time So remember, this is the Royal Decree regarding protection, fair banking practices and consumer protection. So strengthening consumer protection framework. The Kingdom of Canada's banking, is undergoing-, banking system is undergoing significant regulatory modernization. The Financial Consumer Agency of the Kingdom of Canada has expanded its mandate to include oversight of consumer-driven banking and enforcement of consumer protection measures. However, recent developments indicate gaps in protecting consumers from unjustified account closures by their banking institutions. The FCAA's current enforcement powers focus on compliance monitoring, but lack specific mechanisms to address systemic debanking practices that harm individuals and businesses without due process even. Alignment with International Standards. OSFI has been implementing Basel III reforms in The Kingdom of Canada and strengthening operational risk management requirements. The new Operational Risk Management and Resilience Guidance establishes requirements for governance, operational risk management and operational resilience. This Royal Decree complements these reforms by ensuring that banks maintain integrity in their customer relationships, not just in their capital and liquidity positions. Addressing Systemic Integrity Concerns. OSFI's mandate was expanded to ensure institutions have adequate pol-, policies to protect against threats to their integrity and security, including foreign interference. The new integrity and security guidelines recognizes that integrity issues impact financial stability. Unjustified debanking practices represent a significant integrity concern that undermines public trust in the banking system. Forensic Audit and Technology Requirements. Recent guidelines emphasize the importance of technology and cyber risk management. With OSFI releasing the intelligence-led cyber resilience testing framework, the integration of forensic audit requirements in this Royal Decree aligns with OSFI's expectations that banks use advanced technologies, including artificial intelligence and blockchain, to enhance fraud detection and internal controls. Consumer-Driven Banking Framework Implementation. The Government of The Kingdom of Canada announced its complete framework for consumer-driven banking with implementation plan for early year 2026 so that's January 1, 2026. This framework aims to ensure consumer financial well-being and protection while establishing clear governance and oversight, pardon me that actually is effective today for this Royal Decree and retroactive February 3rd, 2022. The Royal Decree supports this initiative by establishing clear accountability mechanisms for banks in, in their of customers. Page 5 - 11/29/2025 - Fair Banking Practices Timing and Market Conditions. The banking sect-, sector in The Kingdom of Canada is experiencing significant regulatory change with multiple guidance coming into effect. This creates an opportune moment to introduce comprehensive consumer protection measures that addresses or address debanking practices before the consumer-driven banking framework launches. This transition period in the Royal Decree aligns with the implementation timeline of other regulatory reforms. Precedent for Strong Enforcement. The Kingdom of Canada's Regulatory Authorities have demonstrated willingness to take decisive action when banks fail to comply with regulations. Next is the, High-Level Analysis. Convergence of these factors, regulatory modernization, expanded consumer protection mandates, integrity concerns, and the upcoming consumer-driven banking framework creates a compelling rationale for issuing this Royal Decree to establish clear standards and accountability for banks' treatments of Canadian consumers and businesses. That's The Kingdom of Canada's Nationals you're talking about. So thank you, everyone, and have a wonderful day. I will see all of you tomorrow during Coffee with the Queen at 11:00 a.m. Central Standard Time. Until then, love you. Page 6 - 11/29/2025 - Fair Banking Practices Respect my thor-tay MFs, for I am the STINK KWEEN! Page 7 - 11/29/2025 - Fair Banking Practices