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While points are prohibited from expiring on a set date or by the simple lapse of time, they can expire for reasons of inactivity. Loyalty program merchants may only expire a participant's loyalty points if the following conditions are met:

As we discussed recently, the Ontario Government has introduced the Putting Consumers First Act (Consumer Protection Statute Law Amendment Act), 2016 (Bill 59).

The Federal Government has proposed a new regime for the handling of complaints by customers of banks.

Following on the heels of the account fraud scandal in the US banking industry, media reports of Canadian banks employing similar tactics began to surface in late 2016. In response, the Financial

The Statement of Priorities will form the core of FSRA's Annual Business Plan which will be submitted to the Minister of Finance for approval.

Business customers that agreed to arbitrate disputes cannot "piggyback" their claims onto a consumer class action in court, the Supreme Court of Canada has ruled.

On May 1, 2022, British Columbia will become the fourth Canadian province (along with Alberta, Manitoba and Quebec) to regulate high-cost credit products.

In peak summer, the holiday season enjoyed months ago is likely just a distant memory, and any gift cards that you may have been fortunate enough to receive may still be floating around your wallet...

The Ontario Consumer Protection Act, SO 2002, c 30, Sched A (the "CPA") contains provisions requiring lenders to provide extensive financial disclosure to consumers.

The Province of Manitoba has sent a clear signal to the retail sector that data‑driven price differentiation is under scrutiny.

The generous protection already provided to consumers by the CPA has been further expanded.

Introduced on January 1, 2024, Ontario's Towing and Storage Safety and Enforcement Act, 2021 (TSSEA) has brought significant changes to the province's towing and vehicle storage industry.

Today, e-commerce operations are subject to a diverse and evolving range of federal and provincial legislation. This requires companies to ensure their existing and new e-commerce operations...

On February 9, 2026, the British Columbia government announced that, further to its prior amendments to the Business Practices and Consumer Protection Act (BPCPA) in 2025

Since being introduced in Canada, "buy now, pay later" (BNPL) plans have become increasingly popular as an alternative to the use of credit cards that require a credit check.

On April 30, amendments to the Financial Consumer Agency of Canada Act (FCAC) and certain amendments to the Bank Act related to the new federal financial consumer protection framework (Bill C-86) came into force.

In 2011, 2012 and 2013, the second highest number of consumer complaints made to the Ontario Ministry of Consumer Services had to do with aggressive and deceptive door-to-door water heater rentals and sales.