list of contributors - GALA
list of contributors - GALA
list of contributors - GALA
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CANADA<br />
Wendy Reed<br />
Geneviève Marcotte<br />
Heenan Blaikie<br />
wreed@heenan.ca<br />
gmarcotte@heenan.ca<br />
www.heenanblaikie.com<br />
1. Title Finally! Consumer Protection Regulations Released in Ontario<br />
Topic: Consumer protection<br />
Where: Canada (Ontario)<br />
When: Publication: February 2005; In Force: July 30, 2005<br />
What Happened: Ontario’s Consumer Protection Act 2002 has sat idle, waiting to be proclaimed<br />
into force, for over two years. In February, regulations were finally published<br />
and a timetable set for the implementation <strong>of</strong> new consumer protection<br />
legislation. The legislation is comprehensive, covering almost any consumer<br />
transaction for personal or household purposes over $50, where the business,<br />
or the consumer, is located in Ontario. Highlights include:<br />
• Extensive disclosure requirements, stipulating what must be disclosed in<br />
various forms <strong>of</strong> consumer agreements;<br />
• Pre-contractual disclosure requirements for internet and remote<br />
agreements (the latter being agreements entered into where the buyer and<br />
seller are not in each other’s presence, e.g. direct mail);<br />
• A discontinuation <strong>of</strong> the uniquely broad restriction against referral selling<br />
(even friend-get-friend programs were formerly prohibited);<br />
• Application to agreements for both goods and services;<br />
• Negative option billing is prohibited for services, in addition to prior<br />
prohibition applicable to goods;<br />
• Revisions to cost <strong>of</strong> credit disclosure requirements;<br />
• Strengthening <strong>of</strong> consumer remedies, including cancellation rights,<br />
cooling <strong>of</strong>f periods and , notably, credit card charge-backs;<br />
• More comprehensive enforcement powers, including increased maximum<br />
fines: An individual will be liable to a fine <strong>of</strong> not more than $50,000 or to<br />
imprisonment for a term <strong>of</strong> not more than two years less a day, or both, and a<br />
corporation will be liable to a fine <strong>of</strong> not more than $250,000.<br />
Comments: Consumer protection legislation in Canada is largely a provincial concern, and<br />
presently requirements and available remedies vary from province to<br />
province. Ontario’s new Consumer Protection Act, 2002 is part <strong>of</strong> a movement<br />
in Canada towards harmonization <strong>of</strong> the various pieces <strong>of</strong> provincial<br />
consumer legislation across the nation. It puts into law commitments made<br />
under national harmonization agreements respecting cost <strong>of</strong> credit and long<br />
term leasing disclosure, and internet contacts, in particular.<br />
Some provinces are moving more quickly towards harmonization than others