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Money Lending
COMMENT
'Money lending' is as old as money, which means as old as organized trade - which is a long time. Since the days of the Bible it has been ethically controversial, and - given it's degree of statutory regulation today - remains so. It is regulated by multiple statutes:- Consumer Protection Act (CPA) (Ontario),
- Bank Act (federal) [quite similar the the CPA in this respect, using the 'full disclosure' model of consumer law],
- Collection and Debt Settlement Service Act,
- Consumer Reporting Act,
- and more (see 'STATUTES', below).
GENERAL CASES
Money Lending - General
Money Lending - Credit Card Operations
Money Lending - 'Marshalling'
CONSUMER PROTECTION ACT (CPA)
These laws are part of the CPA, which see at Consumer Protection (Ontario) Legal Guide.
Loan and Credit Regulation under the CPA (Includes Credit Cards)
Loan Brokering
Credit Repair
COLLECTION AGENCIES (Ontario) LEGAL GUIDE (24 April 2023)- Overview
- Exemptions from the CADSSA
- Registration and Regulation of Collection Agencies under the CADSSA
- Prohibited Practices under the CADSSA
4A. Debt Settlement Services
- CADSSA Appeal Procedures
- CADSSA Administrative Enforcement
- The Consumer Protection Act and Collection Practices
- Tort Remedies
Case Considered
Currency and Updating
******* next
STATUTES
. Consumer Reporting Act is under Credit Repair
. see Execution
. see Consumer
. maybe make a connection note the Execution(?)
EDITING NOTES
*** this needs a full enforcement/execution Guide
. this was last statute auto-updated at 25 April 2023; it needs case harvesting, especially re Ch.7 and 8. Likely will want terminating Ch.7 and 8 and replacing with well-organized cases topics
. past misnaming in updating cases in 2019 update [should have been "Collection and Debt Settlement Services Act" not "Collection Agencies and Debt Settlement Services Act"]; currency corrected now but still have to update ALL cases since 2013, not many
. consider add credit bureau (consumer reporting)
. consider updating cases by "debt collection" as tort cases not done since 2013; how to integrate to /updating?
. consider Canada Trustco Mortgage Company v. Laird, 2007 CanLII 15232 (ON SC
. check Creditors' Relief Act, 2010 for relevance
. eventually merge this with a larger Execution Guide
. harvest: Canaccede Credit LP v. Dyment, 2020 ONSC 325 (CanLII)
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