items : 8, If you are unsure of where to turn, the Canadian Marketing Association provides guidance and support to its members on a wide variety of issues. if(rotate){ Québec.ca width : 736, If these rules are not respected, the law gives consumers the right to file a complaint with the Office de […] List of online services of the Gouvernement du Québec for matters concerning consumer protection. 'display':'block', Also, in some situations, consumers can take legal action against a merchant to get compensation (money), to have a contract cancelled, etc. 'left': '80px' Merchants and consumers should be aware that minimum payment requirements cannot be less than 5% of the oustanding balance at the end of a billing cycle and a person’s credit limit cannot be raised unless the merchant has first sent a notice to the person. Here is a list of the main services connected with this theme. To not increase the number of points needed to get goods and services unless the increase is justified by the market value of the goods and services. ), contracts that are an “accessory” to a main contract, services provided at a distance (telephone, cable, etc. 'position': 'absolute', // ]]>. Specifically, merchants may not make claims that credit may improve a consumer’s financial situation or solve a debt problems. To provide consumers with more information regarding expiry, receiving or exchanging points, conversion factors and terms. Businesses and self-employed workers This service enables you to file a complaint if you believe that animals are being mistreated or are being kept in an unacceptable situation. Please do not enter any personal information in this field. To make any changes to the number of loyalty points already accumulated by a consumer, or to modify the conversion ratio for previously accumulated points that would be to the detriment of the consumer is limited. The regulatory landscape is constantly changing and staying up-to-date is important. Bill 134: Amendments to the Consumer Protection Act and Novel Issues for Quebec Merchants May 11, 2017 On May 2, 2017, the Quebec Minister of Justice introduced at first reading Bill 134, An Act mainly to modernize rules relating to consumer credit and to regulate debt settlement service contracts, high-cost credit contracts and loyalty programs 1 (the “ Bill ”). The Consumer Protection Act has several kinds of protections for consumers. Consumers, clients and purchasers are also protected under other laws in these areas: The Consumer Protection Act was introduced in July 1971. The Office de la protection du consommateur explains how to file a complaint against a merchant. 'overflow': 'hidden', Amendments to Québec’s Consumer Protection Act including significant changes to loyalty programs and stronger financial consumer protections are set to come into force as of August 1, 2019. This is not a legal opinion nor legal advice. Québec.ca is a new platform with the goal of simplifying access to all government content. }); This service enables you to obtain information before undertaking a transaction. In cases where a merchant has not fulfilled its obligations, consumers now have tools at their disposal such as a 10-day grace period to cancel a high-cost credit contract or applying to have the contract annulled in cases where the permit requirement was not met by the merchant. Please activate JavaScript to fill out the application. It has general rules that apply to merchants providing products and services to consumers, and special rules for certain types of products and services. Thanks for waiting. Last update: The Act is creating a new framework for consumer credit and ensuing obligations for merchants. This Bill significantly increased the protections for consumers and specifically […] The content of the theme Businesses and self-employed workers has not yet been reviewed and is therefore not yet accessible on Québec.ca. Author: Florentina Stancu-Soare | Senior Manager, Regulatory and Consumer Affairs @CMA Questions or comments? Until then, it won't appear on the entry. Major amendments to the Québec Consumer Protection Act (“CPA”) were adopted on November 15, 2017 by the Québec Legislature. }); }); has not yet been reviewed and is therefore not yet accessible on Québec.ca. In Alberta, consumer transactions are governed under the Consumer Protection Act. E-mail us – we want to hear from you. There are conditions under which they can expire, such as inactivity for more than one year, but only if a notice of expiry is sent to the consumer 30 to 60 days in advance of the expiry date, and the notice must not be combined with any other program information nor combined with any promotional activity or activities. October 9, 2020. To find out the specific rules for your situation, consult a lawyer or notary. 'height': '57px', All Rights Reserved. } In December 2017, the Government of Alberta passed a bill called “A Better Deal for Consumers and Businesses Act” (“Bill”). The Consumer Protection Act includes provisions that expressly prohibit misleading or false advertising to consumers. //
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