PIAC Reports

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PIAC Research Finds Increasing Legal Risk in Payment Systems Being Borne by Consumers

Friday, December 1st, 2017
A new research report published by the Public Interest Advocacy Centre (PIAC) today demonstrates increasing legal risk being borne by consumers when using established as well as new innovative electronic payment systems. The report finds inconsistent allocation of legal risk from electronic payments transactions depending on their form, jurisdictional overlaps and gaps between federal and provincial rules and asymmetrical service provider contracts that leave consumers at a distinct disadvantage.

PIAC Calls for New Payments Framework and Regulator

Monday, August 24th, 2015
In a new report, the Public Interest Advocacy Centre (PIAC) called for a payment system framework designed and implemented to oversee all retail payment-related activities, all types of payment instruments and all payments system providers in Canada. PIAC also recommended a dedicated body be established to monitor and regulate the Canadian payments ecosystem. The report, entitled “Innovative Oversight: strengthening the Canadian payments system,” was submitted to the federal Department of Finance as part of a consultation on the oversight of national payment systems.

New PIAC report, “Deal of the Day?: Consumer Protection in Online Group Buying Deals”

Wednesday, March 19th, 2014
Canadian Deal Sites Need to Meet Consumer Expectations

Consumer Group Calls for Increased Scrutiny of Loyalty Programs

Wednesday, November 13th, 2013
New PIAC report, “Customer Loyalty Programs: Are Rules Needed?”

Consumers Group Calls for Increased Accountability from Financial Planners

Tuesday, March 26th, 2013
New PIAC report, “Purse Strings Attached: Towards a Financial Planning Regulatory Framework”

Change data breach bill to notify more consumers, New PIAC report

Thursday, January 5th, 2012
The report examines data breach notification in Canada in the private sector in general and in particular whether the proposed federal data breach notification law (Bill C-12) is adequate to protect Canadian consumers.

Consumers need more comprehensive protection against late payment penalties

Wednesday, January 5th, 2011
Report provides legal updates to the interpretation of usury provisions of the Criminal Code since the Supreme Court of Canada ruled in Garland v. Consumers Gas Co. in 1998 that the definition of “interest” is broad and a late payment penalty could be construed as “interest” on an advancement of credit.

Regulate Financial Planners in the Public Interest

Monday, December 14th, 2009
The Public Interest Advocacy Centre (PIAC) called upon the provinces to regulate the practice of “financial planning” in a report released today entitled, “Holding The Purse Strings: Regulating Financial Planners.”

New PIAC Report Studies Importance of Credit Cards to Canadians

Tuesday, October 27th, 2009
While credit cards have become a preferred and sometimes essential means of payment, a growing group of citizens cannot get access to a card. A new report by the Public Interest Advocacy Centre (PIAC) studies the consequences of not being able to obtain a credit card and the use of substitutes by such individuals.

Are You Sure You Want to Continue? Consumer Authentication at the Crossroads

Thursday, October 23rd, 2008
Making Online Banking and Purchasing Safer for Canadians
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