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ARTICLE · 04 JUNE 2021

New Developments: Regulation Of Payment Service Providers In Canada

Dickinson Wright PLLC
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On April 30, 2021, as part of the 2021 federal budget, the Canadian government introduced Bill C-30, An Act to implement certain provisions of the budget tabled in Parliament on April 19, 2021

CanadaGovernment, Public Sector
Michael Lipton, KC
Michael Lipton, KC
Kevin Weber
Kevin Weber
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On April 30, 2021, as part of the 2021 federal budget, the Canadian government introduced Bill C-30, An Act to implement certain provisions of the budget tabled in Parliament on April 19, 2021, and other measures (the "Bill") 1 for first reading in Parliament. Included in the Bill is the initial draft of the proposed Retail Payment Activities Act (the "RPAA"), which, if enacted, would represent the first regulatory oversight framework for retail payment services providers in the Canadian market.

Application of the RPAA

The RPAA, as drafted, would apply to "payment service providers" (PSPs) located both in and outside Canada.  Both a PSP situated within Canada that performs a "retail payment activity" for an end-user in Canada and a PSP situated outside Canada that "directs" retail payment activities at persons in Canada would have the same responsibilities under the RPAA. The definition of a "retail payment activity" leaves open the possibility that the RPAA will

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