The views of Canadians on the harmonization of consumer protection standards / : Point de vue des Canadiens sur l'harmonisation des normes de protection du consommateur

The views of Canadians on the harmonization of consumer protection standards RESEARCH REPORT Report produced by Option consommateurs and presented to the Bureau of Industry Canada’s Office of Consumer Affairs June 2015 The views of Canadians on the harmonization of consumer protection standards Option consommateurs received funding under the Contributions Program for Non-profit consumer organizat [...] The latter does not have the possibility of negotiating the terms of the agreement. [...] On the one hand, the legislation encompasses Internet transactions under the term “Distance Sales Contracts.” On the other hand, the Quebec legislation allows consumers to cancel an online contract relating to the purchase of transportation, lodging or tickets to an event if the merchant does not provide documents allowing consumers to receive the services or attend the event. [...] During our research, we identified nine specific areas of consumer credit in which there are differences in the legislation of the provinces in spite of the Agreement for Harmonization of Cost of Credit Disclosure Laws in Canada (hereinafter the harmonization agreement). [...] The ads must state the annual percentage rate, the term of the loan, the price of the products and the total cost of borrowing (in the case of supplier credit agreements54).