Receivables Management Association of Canada Inc.

Important News: Summary of New B.C. Penalties

Consumer Protection B.C. is instituting new fines and penalties for violations of the Business Practices and Consumer Protection Act. The new policies appear to be punishing and the fine amounts serious and should be considered when working business within this jurisdiction. Adjusted fines for individuals range from $350 to $5000 per infraction. Fines for businesses range from $700 to $15,000.

Consumer Protection BC - Industry Information Bulletin

We wanted to remind you that changes to administrative monetary penalties (fines) start on May 15, 2018

Over the next three years, we will be doing more and more inspections. Our primary goal will always be voluntary compliance. When compliance is not voluntary, or the nature of the contravention is serious, we will move towards enforcement measures such as administrative monetary penalties.

Consumer Protection BC - Industry Information Bulletin

We ask that you please take a few minutes to read about a change to how we calculate our fines (administrative monetary penalties). These changes will come into effect on May 15, 2018.

Response to Bill 199, Access to Consumer Credit Reports and Elevator Availability Act, 2018

On behalf of Receivables Management Association of Canada (RMA), I am writing to share a copy of RMA’s feedback on key measures proposed in Bill 199, Access to Consumer Credit Reports and Elevator Availability Act, 2018.

Submission to Financial and Consumer Services Commission, New Brunswick

Feedback to the Proposed Changes to the Financial and Consumer Services Commission Rules, Credit Reporting Licensing and Ongoing Obligations, and Credit Repair Agreements and Prohibited Representations

The Receivable Management Association of Canada (RMA) is keen to provide Financial and Consumer Services Commission (Commission), New Brunswick with feedback on its proposed changes to the Financial and Consumer Services Commission Rules CRS-001 Credit Reporting Licensing and Ongoing Obligations, CRS-002 Fees, and CRS-003 Credit Repair Agreements and Prohibited Representations (collectively the "Proposed Rules").

Re: Supplementary Estimates (C) 2017-18, For the Fiscal Year Ending March 31, 2018

On behalf of Receivables Management Association of Canada (RMA), I am writing to offer insights that will help inform members of the Senate Standing Committee on National Finance in their study of the Government of Canada’s Supplementary Estimates (C) 2017-18, for the Fiscal year ending March 31, 2018.

Follow up from Registrar Shane Gallagher January 15, 2018

Thank you for taking the time to bring your concerns and questions to my attention. A summary of next steps and some clarifications are provided below.

Agenda - Teleconference Meeting with Ontario Registrar

Attendees: Ontario Registrar Shane Gallagher; RMA: Steve Sheather, John La Vecchia, Blair Demarco Wetlaufer, Patrick Dion (guest)

Memo to Registrar Shane Gallagher January 11, 2018

The following memo outlines RMA's concerns regarding a key section of the recently amended Ontario Regulation 74 under the Collection and Debt Settlement Services Act (CDSSA), changes that came into force on January 1, 2018. Specifically, Regulation Section 19.1.1 (3) requiring notification of the Registrar of first party credit collection activities (Appendix A).

Letter to Registrar Gallagher December 19, 2017

On the recommendation of Alex Crombie, policy advisor to the Minister of Government and Consumer Services, I am writing to seek an opportunity to meet with you to discuss the issues identified in the attached letter.

Canada: Major Amendments To The Québec Consumer Protection Act

Major amendments to the Québec Consumer Protection Act ("CPA") were adopted on November 15, 2017 by the Québec Legislature.1] We outline here certain of the changes that affect credit contracts. The amendments will come into force on the date or dates to be set by the Québec government and, in many cases, they provide for standards or requirements to be determined by regulations. Draft regulations are expected to be published in 2018.

Bill 31: A Better Deal for Consumers and Businesses Act

We would like to express our appreciation for your ongoing participation in the summer and fall consultation to help inform the government’s priorities in modernizing Alberta’s consumer protection legislation. The contributions you made were very helpful and provided in-depth knowledge and feedback on the issues presented.

De-Brief | Service Alberta’s Consultations on Modernizing the Existing Consumer Protection Legislative and Regulatory Framework, Regulation

On July 27, 2017 the Ministry of Service Alberta invited stakeholders to participate in an online survey to help inform the modernization of Alberta’s existing consumer protection laws. RMA submitted a brief in response to the consultations.

Submission to the Ministry of Government and Consumer Services | Consultation on Regulations to Support Putting Consumers First Act, 2016

Receivables Management Association of Canada (RMA) is a national association, established in 2012, representing the business and policy interests of Canada’s credit grantors —financial institutions, telecommunications, retail and utility sectors— debt buyers and debt sellers and collection agencies.

Submission to Service Alberta | Consultations on the Modernization of Existing Consumer Protection Legislative and Regulatory Framework

Receivables Management Association of Canada (RMA) is a national association, established in 2012, representing the business and policy interests of Canada’s credit grantors -financial, telecommunications, retail and utility sectors- debt buyers and debt sellers, law firms, collection agencies.

Letter of Follow up from Receivables Management Association of Canada

On behalf of the board of directors of the Receivables Management Association of Canada (RMA) and our association’s Alberta-based members, I am writing to thank you, Trevor Bergen and members of the Service Alberta team for proactively engaging RMA regarding the Government of Alberta’s plans to modernize consumer protection legislation and regulation in Alberta.

More Change to the Ontario Collection & Debt Settlement Services Act

Well, this has come as a surprise … recently, Bill 59 was passed outlining changes to a number of acts, including the Collection & Debt Settlement Services Act of Ontario – most of these changes were fairly straight forward, adding debt buyers under the licensing structure and communication rules with consumers that collection agencies must comply with. However the collection laws in Ontario are broken into the Act itself, and then the associated regulations that deal with the enforcement and minutiae of the Act – the Ontario government is now accepting consulting and input from stakeholders, and has proposed a number of both expected and unexpected changes.

Message from the President

The Chief of Staff of Minister McLean’s office-Consumer Affairs and I had a quick call on July 26, 2017. This is exactly the kind of call we want, it was to provide a heads up to "interested" parties that Service Alberta was launching a survey tomorrow on Consumer Protection covering 14 different topics.

Federal Financial Consumer Protection Agency Sounds Alarm About Credit Repair Companies

As Canadians keep racking up debt, new types of businesses are cropping up across Canada that target those desperate to pay off what they owe or rebuild their credit.

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