A review of Payments Canada’s accountabilities to consumers and its readily available and transparent reporting of them. This report takes a view from the outside looking in using Payments Canada’s website.
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A review of Payments Canada’s accountabilities to consumers and its readily available and transparent reporting of them. This report takes a view from the outside looking in using Payments Canada’s website.
Contenuto digitale E-Book
La présente étude évalue les renseignements que les consommateurs obtiennent avant de signer un contrat lorsqu’ils se présentent chez un marchand qui propose des articles à la location avec option d’achat (LOA). L’étude s’appuie su... Di più
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Cette étude analyse le contexte des prêts sur salaire en ligne dans lequel se situent les consommateurs canadiens qui cherchent à obtenir ce type de prêt, et elle cherche plus particulièrement à évaluer les sites que les consommateurs sont susceptibl... Di più
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Cette recherche porte principalement sur les renseignements que les consommateurs obtiennent lorsqu’ils tentent d’obtenir en personne ou en ligne un prêt à tempérament, c’est-à-dire un emprunt remboursable par versement. Elle met au jour les rés... Di più
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Cette étude analyse les attitudes des consommateurs envers la relation qu’ils entretiennent avec les options de paiement et les programmes de fidélisation qui s’offrent à eux. La décision de poursuivre cette recherche découle des présentations... Di più
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The Ontario provincial government signalled its intent to add consumer protections for borrowers of higher-cost instalment loans – the loans oered to consumers who do not or cannot seek conventional bank-issued credit. It issued a questionnaire to seek public comment. To prepare a response,... Di più
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The Ontario provincial government signalled its intent to add consumer protections for borrowers of higher-cost instalment loans – the loans oered to consumers who do not or cannot seek conventional bank-issued credit. It issued a questionnaire to seek public comment. To prepare a response,... Di più
Contenuto digitale E-Book![Tax-Free Savings Accounts: Early Consumer Experiences [PDF]](/assets/image/L0dldEltYWdlL1Byb2R1Y3RQaWN0dXJlL01URTNOVGcy/240/i.webp)
Since January 2009, Canadians have been able to use a Tax-Free Savings Account (TFSA) as part of their personal financial planning. Introduced in the February 2008 Federal Budget, the new TFSA could radically alter the way Canadians save for the future and manage their investments. Over the balan... Di più
Contenuto digitale E-Book![Stuck in the Middle: Consumers, Transaction Fees and Loyalty Programs [EPUB]](/assets/image/L0dldEltYWdlL1Byb2R1Y3RQaWN0dXJlL01URTNOVGN3/240/i.webp)
A force driving credit card transaction costs is increased rewards for loyalty programs. The funding for points/miles/cash rewards and other benefits is generally drawn from the fees paid on retail credit card transactions. This research provides a summary of publicly available information on dif... Di più
Contenuto digitale E-Book![Consumer Experiences in Online Payday Loans [EPUB]](/assets/image/L0dldEltYWdlL1Byb2R1Y3RQaWN0dXJlL01URTNOVFk1/240/i.webp)
To improve knowledge of consumers' experiences when they look for payday loans online, the Consumers Council of Canada conducted an examination of the online payday loan services available to typical Canadian consumers. This report is offered free of charge, but your voluntary payment will help s... Di più
Contenuto digitale E-Book![Consumer Experiences with Rent-to-Own [EPUB]](/assets/image/L0dldEltYWdlL1Byb2R1Y3RQaWN0dXJlL01URTNOVFky/240/i.webp)
The Consumers Council of Canada has conducted an examination of the rent-to-own offerings available to typical consumers. The research provides a perspective on two questions: 1) What information do rent-to-own providers deliver to potential customers prior to completing a rent-to-own transaction... Di più
Contenuto digitale E-Book![Consumer Redress, Chargebacks and Merchant Responses in Distant Transactions [EPUB]](/assets/image/L0dldEltYWdlL1Byb2R1Y3RQaWN0dXJlL01URTNOVFkw/240/i.webp)
This report concerns consumer attitudes and merchant responses related to disputes in e-commerce (or distant) transactions. It examines what consumers do to reconcile disputes with merchants, how merchants respond to what consumers do, how changing accounts management and debt collection affect a... Di più
Contenuto digitale E-Book![Consumers and Product Insurance Purchase Decisions [EPUB]](/assets/image/L0dldEltYWdlL1Byb2R1Y3RQaWN0dXJlL01URTNOVFl5/240/i.webp)
This report examines consumer experiences, attitudes and common misunderstandings with extended coverage programs such as “product protection plans” or “extended service plans”. This report is offered free of charge, but your voluntary payment will help support the researc... Di più
Contenuto digitale E-Book![Consumers' Experience with Higher Cost Credit [EPUB]](/assets/image/L0dldEltYWdlL1Byb2R1Y3RQaWN0dXJlL01URTNOVFl4/240/i.webp)
This report examines high-cost credit offerings, such as installment loans, to improve the knowledge of the Canadian consumer's experience when they attempt to secure credit through storefronts and online.This report is offered free of charge, but your voluntary payment will help s... Di più
Contenuto digitale E-Book![A Case for Preservation of the Ombudsman for Banking Services and Investments [EPUB]](/assets/image/L0dldEltYWdlL1Byb2R1Y3RQaWN0dXJlL01URXhNall5/240/i.webp)
A Consumer Perspective Discussion Paper of the Consumers Council of Canada. This report discusses issues surrounding the defection from the Ombudsman for Banking Services and Investments of the majority of Canada's "big five" banks. It discusses the veracity of the reasons cited by these banks fo... Di più
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