As BNPL gains popularity among Canadian shoppers, here are three things you should know about it plus some words of caution. You may notice that many online retailers (also known as merchants) now allow you to buy goods and services through a buy now, pay later (BNPL) option. Thinking of buying a … [Read more...]
Racial Profiling in the Retail Industry
Consumer racial profiling is usually built on the misconception that certain ethnic groups are more likely to shoplift than others. Consumer racial profiling is a serious issue that has not been researched enough in Canada. Different terms are used to characterize consumer racial profiling, such as … [Read more...]
Regional Anomalies in Canada’s National Consumer Insolvency & Bankruptcy Rates
Data on consumer insolvency and bankruptcy, as well as laws on personal property exemptions, show great variances between regions, provinces and territories. This article references Statistics Canada’s most recent Annual Consumer Insolvency Rates by Province and Economic Region – 2010-2019 (Per … [Read more...]
Everything You Need to Know About Wedding and Special Event Insurance
Wedding and special event insurance is a special kind of cancellation insurance that can protect you if your event goes awry. When you’re thinking about planning a big event—whether it’s a wedding, huge birthday bash or blowout retirement party—no one wants to think about cancellations or other … [Read more...]
When the Doorbell Rings: Direct sales contracts
Your doorbell rings at home. You take a peek out your window. Then the realization hits you: it’s someone going door to door trying to sell you something again. If you’re anything like my cat (or me), you promptly hide in another room until the seller is gone –unless they are selling cookies, of … [Read more...]
Money, Money, Money!
Maybe you have a part-time job. Maybe your parents pay you an allowance. Maybe you make money shoveling snow or cutting grass. In any case, you’ve got money! Opening a Bank Account First step, where do you put this money? Have you outgrown your piggy bank? Maybe a bank account would be more … [Read more...]
Foreclosures in Alberta: The return of the ’80s?
When the pandemic hit, mortgage companies quickly realized the potential for a large upswing in mortgage defaults due to job losses. As a result, many offered homeowners an opportunity to defer their mortgage payments for up to six months. The CBC recently reported that Albertans took lenders … [Read more...]
Canada’s Law on Consumer Product Safety
20/20: Looking back over the last 20 years In the past 2 months alone, you’ve probably heard about the recent food recall warnings on beef and romaine lettuce. Did you know that we have a law in Canada that deals with product safety and recalls? The Canada Consumer Product Safety Act (“CCPSA”) … [Read more...]
Introduction to Contracts
Consumer law covers a wide range of topics that are pervasive in our everyday lives – including contracts, advertising, credit, buying of goods and services, privacy and more. CPLEA often receives questions from the public about consumer law-related issues and so LawNow is launching this column to … [Read more...]
