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  • Section dedicated to consumers
    • Information per Good or Service
    • Information per Consumption Topic
    • Get Information About a Merchant
    • Resolve a Problem With a Merchant
    • Indemnisation
  • Section dedicated to merchants
    • Licenses and Certificates Delivered by the Office
    • Information par secteurs de commerce
    • Information par pratiques de commerce
    • Surveillance : respect des lois par les commerçants
  • Sections dedicated to other clienteles
    • Section pour les parents
    • Section pour les enseignants
    • Section pour les médias
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    • Toutes les actualités
    • Conseils, avis et mises en garde
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    • Enquêtes et autres interventions de l'Office auprès des commerçantsSurveillance : respect des lois par les commerçants
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    • Publications officielles et autres documents
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    • Quality of the services provided by the Office: complaints or comments
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Section dedicated toconsumers

  • Credit, Collection of Debts and Personal Finances
    • Credit Card and Line of Credit
      • Consumer Tips: Before Applying for a Credit Card or Line of Credit
        • Information on What Is a Credit Card or Line of Credit
        • Shopping for a Credit Card or Line of Credit
        • Beware of Introductory Offers
        • Determining a Reasonable Credit Limit
        • Making Sure Your Credit Contract Is Compliant
        • A Financial Institution's Obligations
        • Checking Whether Insurance Is Necessary
      • Applying for or Canceling a Credit Card or Line of Credit
        • Credit Card Application Form
        • Evaluating One's Ability to Pay
        • Contents of the Contract
        • Membership, Renewal or Replacement Fees
        • Changes Made to a Contract
        • Cancelling a Contract
        • Mandatory Insurance
        • Joint Credit Accounts
      • Credit Charges and Rates
      • Payment
      • Monthly Statement (Statement of Account)
      • Credit Card Loss, Theft or Fraud
      • Advertising Rules
      • Other Topics Related to Credit Cards and Lines of Credit
        • Checking Your Credit File
        • Budget Consulting Services
    • High-Cost Credit
      • Consumer Tips: Before Entering Into a High-cost Credit Contract
        • What Credit Involves
        • Information About High-Cost Credit
        • Checking Whether a Merchant Is Required to Hold a Permit
        • Checking Whether Insurance Is Required
      • Contract
        • Evaluating One’s Ability to Pay
        • Results of the Evaluation of One’s Ability to Pay
        • Contents of a Contract
        • Cancelling a Contract
      • Recourse Options
      • Statement of Account and Payments
      • Advertising and Other Business Practices
      • Other Subjects Related to High-cost Credit
        • Credit File
        • Budget Consulting Services
    • Instalment Sale
      • Consumer Advice: Before Signing a Contract
        • What Credit Involves
        • What a Contract Must Contain
        • Finding Out About the Cancellation Terms
        • Checking Whether Insurance Is Necessary
      • Instalment Sale Contract
        • What Is an Instalment Sale Contract?
        • Evaluating One’s Ability to Pay
        • Contents of a Contract
        • Modifying or Cancelling a Contract
        • Mandatory Insurance
      • Payment
      • Statement of Account
      • Advertising Rules
      • Other Topics Related to Instalment Sale Contract
        • Checking Your Credit File
        • Budget Consulting Services
    • Money Loans
      • Consumer Tips: Before You Borrow
        • What Credit Involves
        • Exercising Caution When the Lender Is Not a Financial Institution
        • What the Contract Must Contain
        • Finding Out About the Cancellation Terms
      • Contracts for the Loan of Money
        • What Is a Money Loan?
        • Evaluating One’s Ability to Pay
        • Examples of Money Loans
        • Modifying or Cancelling a Contract for the Loan of Money
        • Mandatory Insurance
      • Reimbursing the Loan
        • Credit Charges and Rates
        • Frequency and Amount of the Payments
        • Difficulties Making Payment
      • Statements of Account
      • Advertising Rules
      • Other Topics Related to Money Loans
        • Credit Brokers
        • Budget Consulting Services
    • Financing Plans
    • Long-term Leasing With Purchase Option
      • Consumer Tips: Before Entering a Long-term Leasing Contract
        • What Long-term Leasing Involves
        • What the Contract Must Contain
        • Terms of Payment
        • Finding Out about Cancellation Terms
      • Lease Contract With Purchase Option
        • What Is a Lease Contract With Purchase Option?
        • Mandatory Insurance
        • Cancelling a Contract
      • Difficulties Making Payment
      • Returning an Item Before the End of the Lease
      • False Information and Misleading Advertizing
    • Debt Collection by an Agency
      • Consumer Tips: If a Collection Agent Contacts You
        • Checking Whether a Collection Agency Holds a Permit
        • Asking the Agent to Contact You in Writing
        • Prohibited Practices
        • Refusing to Pay a Supplement
      • What Is a Collection Agency?
      • Communications From a Collection Agent
        • Rules About the 1st Contact
        • Documents to Request
        • Contacting You at Work
        • Communications With Friends or Relatives
        • Times When You May Be Contacted
        • Mistaken Identity
      • Payments and Receipts
      • Putting an End to Harassment
      • Recourse Options Against a Collection Agent
      • Budget Consulting Services
    • Debt Collection by a Creditor
      • Who Can Collect a Sum of Money?
      • Rules About Communications
        • Communications at Work or With Friends and Relatives
        • Mistaken Identity
      • Reimbursing the Amount Owing
      • Putting an End to Harassment
      • Recourse Options Against a Creditor
      • Budget Consulting Services
    • Debt Settlement
      • Consumer Tips: Before Doing Business With a Debt Settlement Service Merchant
        • Checking Whether a Merchant Is Required to Hold a Permit
        • Obtaining Information Before Entering Into an Agreement Online or by Phone
        • Mandatory Elements of a Contract
        • Contacting a Consumer Association
      • What Is a Debt Settlement Service Merchant?
      • Debt Settlement Service Contract
      • Communications With Your Creditors
        • Proposals Made to Your Creditors
        • Mandatory Follow-up by Merchants
      • Terms and Conditions for Collecting Payments
      • Prohibited Merchant Practices
    • Insurance and Personal Finances
      • Insurance
      • Debit Card and Personal Account
        • Debit Card Fraud
        • Opening a Personal Account and User Fees
      • Investments, RRSPs, TFSAs, RESPs
      • Accounting Services
      • Budget Consulting Services
High-Cost Credit
  • High-Cost Credit
    • Consumer Tips: Before Entering Into a High-cost Credit Contract
      • What Credit Involves
      • Information About High-Cost Credit
      • Checking Whether a Merchant Is Required to Hold a Permit
      • Checking Whether Insurance Is Required
    • Contract
      • Evaluating One’s Ability to Pay
      • Results of the Evaluation of One’s Ability to Pay
      • Contents of a Contract
      • Cancelling a Contract
    • Recourse Options
    • Statement of Account and Payments
    • Advertising and Other Business Practices
    • Other Subjects Related to High-cost Credit
      • Credit File
      • Budget Consulting Services

High-Cost Credit

  • Consumer Tips: Before Entering Into a High-cost Credit Contract »
    • What Credit Involves
    • Information About High-Cost Credit
    • Checking Whether a Merchant Is Required to Hold a Permit
    • Checking Whether Insurance Is Required
  • Contract »
    • Evaluating One’s Ability to Pay
    • Results of the Evaluation of One’s Ability to Pay
    • Contents of a Contract
    • Cancelling a Contract
  • Recourse Options »
  • Statement of Account and Payments »
  • Advertising and Other Business Practices »
  • Other Subjects Related to High-cost Credit »
    • Credit File
    • Budget Consulting Services
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  • Accessibility
  • Privacy Policy
  • Access to information
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