Log in or register
Share on LinkedInShare on LinkedIn

ARTICLE · 21 FEBRUARY 2018

Loyalty Programs, Consumer Credit And Advertising To Consumers: New Rules For Quebec Merchants

Langlois Avocats
Explore more from Langlois Avocats

On November 15, 2017, the Consumer Protection Act (the "CPA") was amended by An Act mainly to modernize rules relating to consumer credit and to regulate debt settlement service contracts ...

CanadaConsumer Protection
Vincent De L’étoile
Vincent De L’étoile
Author LinkedIn connections

1. Introduction

On November 15, 2017, the Consumer Protection Act (the "CPA") was amended by An Act mainly to modernize rules relating to consumer credit and to regulate debt settlement service contracts, high-cost credit contracts and loyalty programs1 (the "Act") which, as its title indicates, imposes new rules and obligations on Quebec merchants regarding consumer credit, as well as a new legal framework for loyalty programs. In addition the Act creates new requirements for merchants concerning their business practices and advertising.

The amendments made to the CPA by the Act will affect many merchants in Quebec, particularly those that offer loyalty programs, and others who directly or indirectly offer consumers credit in the course of their business.

We operate a free-to-view policy, asking only that you register in order to read all of our content. Please login or register to view the rest of this article.

Register for freeORLog in

View source

Related Articles

Legal Intelligence Newsletters: sign up for the latest legal and regulatory news on your chosen topics

Read more about

Related Comparative Guides

See more popular content from

Article

The Warranty Of Good Working Order: New Québec Consumer Protection Regulation Takes Effect October 5, 2026

Starting October 5, 2026, Québec will introduce a new statutory warranty of good working order for consumer goods such as appliances and electronics, with minimum warranty periods ranging from 3 to 6 years. The legislation imposes disclosure obligations on manufacturers and merchants while prohibiting any attempts to exclude or limit this warranty. Businesses operating in Québec must adapt their practices to comply with these consumer protection requirements or face potential compliance issues.
CanadaConsumer Protection
Gowling WLG
Gowling WLG
Article

Peptides In Canada: Regulatory Reality Is Catching Up With The Hype

Health Canada's recent enforcement action against unauthorized injectable peptides signals a regulatory shift that wellness companies cannot afford to ignore. While peptides dominate influencer marketing and online wellness spaces, their legal status in Canada depends on factors far more complex than social media trends suggest. Understanding how route of administration, therapeutic claims, and market authorization intersect is now critical for compliance.
CanadaConsumer Protection
Gowling WLG
Gowling WLG
Article

Garantie légale de bon fonctionnement au Québec : commerçants et fabricants, êtes-vous prêts pour le 5 octobre 2026?

À compter du 5 octobre 2026, une nouvelle garantie légale de bon fonctionnement s'appliquera aux électroménagers et appareils électroniques neufs vendus ou loués à long terme au Québec. Cette garantie, découlant de la Loi 29, impose de nouvelles obligations aux commerçants et fabricants, de l'affichage des prix au traitement des réclamations. Découvrez les biens visés, les durées applicables et les étapes concrètes pour assurer
CanadaConsumer Protection
BCF Business Law
BCF Business Law
Article

Legal Warranty Of Good Working Order In Quebec: Merchants And Manufacturers, Are You Ready For October 5, 2026?

Starting October 5, 2026, Quebec will implement a new legal warranty of good working order for household appliances and electronic devices, requiring merchants and manufacturers to adapt their practices from price display to claims handling. What obligations will businesses face under Bill 29's amendments to the Consumer Protection Act, and how can they prepare for compliance before the deadline?
CanadaConsumer Protection
BCF Business Law
BCF Business Law
Article

New Performance Standards For Button/Coin Batteries And Products Containing Them Now In Effect In Canada

Health Canada has introduced mandatory performance standards for consumer products containing button/coin batteries, requiring immediate compliance from manufacturers, importers, advertisers, and sellers. Companies must now certify that their products, packaging, and labelling meet specified safety criteria or equivalent standards to mitigate ingestion hazards. This regulatory update offers a more flexible, outcomes-based approach compared to the prescriptive requirements of Reese's Law in the United States
CanadaConsumer Protection
McMillan LLP
McMillan LLP
Article

Quebec’s Bill 24: New Consent Requirements For AI Generated Advertising And The Legal Risks Business Cannot Afford To Ignore

Quebec's new Bill 24 prohibits businesses from using a person's identity or image in consumer advertising without consent, creating significant compliance obligations for companies using AI-generated content, synthetic voices, and digitally altered spokespersons. The legislation introduces broad enforcement powers and extends liability beyond content creators to platforms that distribute or facilitate unauthorized representations.
CanadaConsumer Protection
Miller Thomson
Miller Thomson
Article

Regulation Of Food-Contact Materials In Canada

Canada maintains a sophisticated yet largely voluntary system for regulating food-contact materials, placing primary responsibility on industry to ensure packaging safety. While Health Canada offers Letters of No Objection (LONOs) as written assurances, this regulatory framework may soon shift toward a mandatory positive list approach, fundamentally changing how food packaging materials are assessed and approved in the Canadian market.
CanadaConsumer Protection
Steptoe LLP
Steptoe LLP
Article

Canada Considers Positive List Approach For Food Contact Substances

Health Canada has launched a public consultation on a proposed regulatory overhaul that would fundamentally transform how food packaging materials are evaluated and approved for use in Canada. The agency is considering implementing a mandatory notification system and potentially creating a binding positive list of approved substances, marking a significant departure from the current voluntary Letter of No Objection framework.
CanadaConsumer Protection
Steptoe LLP
Steptoe LLP
Article

Bill C-39: A New Framework For Federal Collective Labour Relations

Bill C-39, the Building Canada Strong Act, proposes significant amendments to the Canada Labour Code that will reshape collective bargaining timelines, ministerial intervention powers, and union certification processes for federally regulated employers. The legislation introduces new conditions for government intervention in labour disputes, accelerates bargaining deadlines for certain collective agreements, and expands obligations for airport service providers.
CanadaEmployment and HR
Langlois Avocats
Langlois Avocats
Article

Projet de loi C-39 : vers un nouvel encadrement juridique des rapports collectifs de travail au fédéral

Le projet de loi C-39 propose des modifications majeures au Code canadien du travail qui transformeraient les relations de travail dans les milieux syndiqués de compétence fédérale. Ces changements incluent un nouvel encadrement des interventions ministérielles, des négociations collectives plus hâtives et une prolongation du processus de conciliation.
CanadaEmployment and HR
Langlois Avocats
Langlois Avocats
Article

Access To Information: The Court Of Québec Rules On The Scope Of Section 22 Of The Access Act

The Court of Québec has clarified the interpretation of section 22 of Quebec's Access to Information Act, determining that public bodies need not prove "economic loss" when refusing document disclosure. The ruling addresses whether universities and other public institutions can withhold pedagogical materials and technical information when disclosure might cause losses or benefit third parties, establishing a new standard for applying access to information exceptions.
CanadaGovernment, Public Sector
Langlois Avocats
Langlois Avocats