2(1)This Act or any provision of it does not apply

2(2)A person exempted under paragraph (1)(a) from the application of this Act or any provision of it shall comply with any terms or conditions prescribed by regulation.

3(1)If the Director considers it appropriate to do so, the Director may, by order and subject to any terms and conditions the Director considers appropriate, exempt any person or class of persons from the application of this Act or any provision of it or from the application of the regulations or any provision of them.

3(2)An order under subsection (1) may be made on the Director’s own motion or on the application of an interested person.

3(3)The order may be retroactive in its operation.

3(4)A person to whom the order applies shall comply with the terms and conditions imposed by the Director under subsection (1).

4(1)No person shall carry on business as a credit reporting agency unless the person has been licensed as provided by this Act and the regulations.

4(2)An applicant for a licence shall

4(3)The Director may require an applicant to verify, by affidavit or otherwise, the authenticity, accuracy or completeness of any information or material submitted to the Director under this section.

5(1)The Director may

5(2)The holder of a licence shall comply with the terms and conditions imposed on the licence by the Director.

5(3) The Director shall not refuse to issue a licence or impose terms and conditions on the licence without giving the applicant or holder of the licence an opportunity to be heard.

6(1)The Director may suspend or cancel a licence when the Director considers it in the public interest to do so.

6(2)The Director shall not suspend or cancel a licence without providing the holder of the licence an opportunity to be heard.

7(1)The Director shall maintain a register of licence holders that contains the following information for each licence:

7(2)The register shall be accessible to the public at the offices of the Commission during normal business hours.

8(1)No licence holder shall fail to notify the Director in writing immediately of any change to a phone number, an address for service, a facsimile number or an electronic address previously submitted to the Director.

8(2)Within seven days after a change in circumstances prescribed by regulation, an applicant for a licence or a licence holder shall notify the Director in writing.

9(1) No credit reporting agency and no officer or employee of a credit reporting agency shall knowingly provide any information from the files of the credit reporting agency to a person except

9(2)No person shall knowingly obtain any information from a consumer’s file held by a credit reporting agency except in the circumstances referred to in subsection (1).

9(3)Despite subsections (1) and (2), a credit reporting agency may provide identifying information respecting any consumer, limited to his or her name, places of residence, former places of residence, employers and former employers to the Government of Canada or of a province or territory of Canada, to any agency of such a government, to the government of any municipality or other local authority in Canada, to any agency of such a municipality or other local authority or to any police officer or other peace officer acting in the course of his or her duties.

9(4)A credit reporting agency shall maintain in a consumer’s file all the information of which the consumer is entitled to disclosure under subsection 17(1).

9(5)No holder or former holder of a licence shall sell, lease or transfer title to its files or any of them except to the holder a licence.

10(1)A credit reporting agency shall adopt all procedures reasonable for ensuring accuracy and fairness in the contents of its credit reports.

10(2)A credit reporting agency shall not maintain in its files nor include in a credit report

10(3)A credit reporting agency shall not include in a credit report

10(4)A credit reporting agency shall not include any information in a credit report unless

10(5)For the purposes of subsection (4), “contact information” means the mailing address and telephone number.

11(1)An end-user obtaining consent to the release to the end-user of a credit report pertaining to a consumer shall inform the consumer as to

11(2)The consent to the release of a credit report is void if an end-user obtains the consent by

11(3)A consumer may give his or her consent to the release of a credit report in writing, including by electronic means, or orally.

11(4)An end-user obtaining a consumer’s consent for the release of a credit report pertaining to the consumer shall take reasonable steps to verify the identity of the consumer and record the steps taken.

11(5)If a consumer is asked by an end-user to give consent in writing to the release of a credit report pertaining to the consumer, the end-user shall ensure that the text of the consent form is

11(6)Within a reasonable time after a consent form has been signed by the consumer, the end-user shall provide a copy of the signed consent form to the consumer.

11(7)If a consumer is asked by an end-user to give consent by electronic means to the release of a credit report pertaining to the consumer, the end-user shall ensure that

11(8)If a consumer is asked by an end-user to give consent orally to the release of a credit report pertaining to the consumer, the end-user shall ensure that the information described in subsection (1) is provided to the consumer in a clear and easily understood manner before the consumer consents to the release of the credit report.

11(9)The end-user obtaining an oral consent shall, in a form that can be reproduced, record

11(10)The end-user obtaining an oral consent shall, within a reasonable time after the consumer has given the consent, provide the information recorded under subsection (9) to the consumer in a form capable of being retained or printed by the consumer.

11(11)A consumer may, by giving reasonable notice, withdraw his or her consent to the release of a credit report at any time, subject to any legal or contractual restrictions.

11(12)An end-user who receives the withdrawal of consent shall inform the consumer of the implications of the withdrawal.

15(1)An end-user who relies on a credit report from a credit reporting agency shall give notice to the consumer to whom the credit report pertains when the contents of the credit report play a role in

15(2)The end-user shall give the notice referred to in subsection (1)

15(3)Within a reasonable time after receiving a request from the consumer, the end-user shall inform the consumer of the name and address of the credit reporting agency that provided the credit report.

15(4)A request referred to in subsection (3) shall be made in writing by the consumer within 60 days after receiving the notice referred to in subsection (1).

15(5)The end-user shall ensure that the notice referred to in subsection (1) contains notice of the consumer’s right to request the information referred to in subsection (3) and the time limited for that.

16(1)Any information provided to a consumer from a credit reporting agency must be easily understood by a reasonable consumer.

16(2)If a system of codes or notation or technical terminology is used in providing the information, the credit reporting agency shall provide a plain-language explanation of how the codes, notation or technical terminology is to be understood.

17(1)A credit reporting agency shall, within a reasonable time after the making of a written request by a consumer, disclose

17(2)Before making disclosures under subsection (1), a credit reporting agency shall take reasonable steps to verify that the person requesting the disclosure is the consumer and shall record the steps taken.

17(3)Subject to subsection (9), information disclosed under subsection (1) shall be provided by the credit reporting agency in writing or in any other form prescribed by regulation.

17(4)A credit reporting agency responding to a request under subsection (1) shall inform the consumer in writing of his or her right to protest under sections 18 and 29 any information contained in the file and the manner in which a protest may be made.

17(5)A consumer is entitled on a request under subsection (1) to receive the information referred to in that subsection from the credit reporting agency free of charge once per calendar year.

17(6)If a consumer requests the information referred to in subsection (1) more than once during the calendar year, the credit reporting agency may charge a fee not greater than the fee prescribed by regulation for each additional disclosure of information requested.

17(7)If a consumer receives a notice under subsection 15(1) in relation to a credit report and the consumer makes a request to the relevant credit reporting agency, the consumer is entitled to receive free of charge a copy of the credit report.

17(8)Subject to subsection (9), a copy of a credit report referred to in subsection (7) shall be provided by the credit reporting agency in writing or in any other form prescribed by regulation within a reasonable time after the making of the request by the consumer.

17(9)If a consumer making a request under subsection (1) or (7) has a disability, the credit reporting agency shall take all reasonable measures to provide the information or the copy of the credit report, as the case may be, in a format that accommodates the disability.

18(1)If a consumer disputes the accuracy or completeness of any item of information contained in his or her file, the credit reporting agency within a reasonable time shall use its best endeavours to confirm or complete the information and shall correct, supplement or delete the information in accordance with good practice.

18(2)If a credit reporting agency corrects, supplements or deletes information under subsection (1),

18(3)Subject to subsection (4), a copy of information referred to in paragraph (2)(b) shall be provided by the credit reporting agency in writing or in any other form prescribed by regulation within a reasonable time after the making of the request by the consumer.

18(4)If a consumer making a request under paragraph (2)(b) has a disability, the credit reporting agency shall take all reasonable measures to provide the copy of the information in a format that accommodates the disability.

18(5)If a credit reporting agency corrects, supplements or deletes information under subsection (1), the credit reporting agency shall, within a reasonable time after the making of a request by the consumer, provide a credit report reflecting the correction, supplement or deletion to the end-users specifically designated by the consumer from among those who have been provided by the credit reporting agency with a credit report based on the unamended file within the six-month period preceding the correction, supplement or deletion.

18(6)Credit reports provided under subsection (5) shall be provided by the credit reporting agency in writing or in any other form prescribed by regulation.

19(1)A consumer may provide to a credit reporting agency a statement declaring that a dispute exists with respect to the accuracy or completeness of an item contained in his or her file and, subject to subsections (2) to (7), the credit reporting agency is required to include the statement in all subsequent credit reports that include the item to which the statement relates.

19(2)A credit reporting agency may, after giving notice to a consumer, limit the consumer’s statement of dispute to 700 characters.

19(3)A credit reporting agency may refuse to include in credit reports a consumer’s statement that it has reasonable grounds to believe is libelous.

19(4)A credit reporting agency that receives a consumer’s statement that it does not intend to include in credit reports because it has reasonable grounds to believe the statement is libelous shall

19(5)A credit reporting agency may determine the content of a standard unqualified indication that a dispute exists, if it is clear and readily understood by a reasonable end-user.

19(6)When no acceptable revised statement is agreed to, the consumer may request that a standard unqualified indication that a dispute exists be included by the credit reporting agency in all credit reports that include the item to which the indication pertains.

19(7)A credit reporting agency shall comply with a request under subsection (6) within a reasonable time after receiving the request.

20(1)The following definition applies in this section.

20(2)A consumer may request a credit reporting agency to include a security alert in his or her file.

20(3)A credit reporting agency shall provide a telephone number that a consumer can call, at any time and without being charged for the call, to request that a security alert be included in the consumer’s file, that it be removed or that the information provided under subsection (4) be amended.

20(4)When making a request under subsection (2), the consumer shall provide the credit reporting agency with a telephone number at which he or she may be contacted for the purposes of verifying his or her identity and with any other information prescribed by regulation.

20(5)Within a reasonable time after receiving a request made in accordance with subsection (4), the credit reporting agency shall include the security alert in the consumer’s file.

20(6)A telephone number provided by a consumer under subsection (4) or paragraph (7)(b), as the case may be, shall be included in the security alert by the credit reporting agency.

20(7)A consumer may request that a credit reporting agency

20(8)A credit reporting agency shall comply with a request under subsection (7) within a reasonable time after receiving it.

20(9)Before complying with a consumer’s request under subsection (2) or (7), a credit reporting agency shall take reasonable steps to verify that the person making the request is the consumer and record the steps taken.

20(10)Before complying with the consumer’s request under subsection (2), a credit reporting agency shall inform the consumer of the date, if any, that the security alert will expire.

20(11)No person shall charge, require or accept a fee in relation to a security alert except in accordance with the regulations.

20(12)If a consumer’s file includes a security alert, the credit reporting agency shall give this alert to every end-user to whom the credit reporting agency provides a credit report pertaining to the consumer.

20(13)An end-user who receives a credit report that includes a security alert shall not proceed with a transaction without first taking reasonable steps to verify that the person involved in the transaction is the consumer and shall record the steps taken.

22(1)No credit repairer shall require or accept any payment or any security for a payment, directly or indirectly, from or on behalf of a consumer until the credit repairer causes a material improvement to the credit report, credit information, file, credit record, credit history or credit rating of the consumer.

22(2)An arrangement by which a credit repairer takes security in contravention of subsection (1) is void.

23(1)A consumer who is a party to an agreement for credit repair may, without any reason and without charge, cancel the agreement at any time from the date of entering into the agreement until 10 days after receiving a written copy of the agreement.

23(2)In addition to the right under subsection (1), a consumer who is a party to an agreement for credit repair may, without charge, cancel the agreement within one year after the date of entering into it if the consumer does not receive a written copy of the agreement.

23(3)The cancellation of an agreement for credit repair in accordance with this section operates to cancel the agreement as though it never existed.

24(1)An agreement for credit repair is cancelled under section 23 when the consumer gives a notice of cancellation in accordance with this section.

24(2)A consumer may give a notice of cancellation to a credit repairer by

24(3)A notice of cancellation that is given in accordance with paragraph (2)(b) shall be deemed to be given when it is sent.

24(4)Subject to subsections (2) and (3), a notice of cancellation is adequate if it indicates the intention of the consumer to cancel the agreement for credit repair.

24(5)If an agreement for credit repair is cancelled under section 23, within 15 days after the notice of cancellation has been delivered or sent, the credit repairer shall refund the money received under the agreement to the consumer.

27(1)The Director may receive and handle complaints respecting credit reporting agencies or credit repairers.

27(2)If he or she considers it appropriate, the Director may refuse to handle or to continue to handle a complaint.

28(1)If the Director receives a written complaint in respect of a credit reporting agency or a credit repairer, the Director may give a direction, in writing, requiring the credit reporting agency or credit repairer to furnish the Director with any information respecting the complaint that the Director requires.

28(2)A direction under subsection (1) shall indicate the nature of the complaint involved.

29(1)The Director may order a credit reporting agency to amend or delete any information, or by order restrict or prohibit the use of any information, that in the Director’s opinion is inaccurate or incomplete or that does not comply with the provisions of this Act or the regulations.

29(2)The Director may order a credit reporting agency to notify any person who has received a credit report of any amendments, deletions, restrictions or prohibitions imposed by the Director.

29(3)An order under this section may be made on the application of the consumer to whom the information pertains or on the Director’s own motion.

30(1)The following definition applies in this section.

30(2)A credit reporting agency or credit repairer shall keep books, records and documents that are necessary for the proper recording of its business and affairs and shall keep any other books, records and documents that are otherwise required under this Act or the regulations.

30(3)A credit reporting agency or credit repairer shall keep the books, records and documents at a safe location and in a durable form.

30(4)A credit reporting agency or credit repairer shall retain the books, records and documents for a minimum period of seven years after the date of the transaction to which the books, records or documents relate.

30(5)A credit reporting agency or credit repairer shall deliver to the Director, or to any other employee of the Commission, at any time that the Director or other employee requires

31(1)No credit reporting agency or credit repairer shall make any false, misleading or deceptive statements in any advertisement, circular, pamphlet or similar material prepared or used in respect of a regulated activity.

31(2)If, in the opinion of the Director, a credit reporting agency or credit repairer has made a false, misleading or deceptive statement in any advertisement, circular, pamphlet or similar material referred to in subsection (1), the Director may order the credit reporting agency or credit repairer to stop using that material immediately.

32(1)The Commission may appoint in writing a person as a compliance officer for the purpose of ensuring compliance with this Act and the regulations.

32(2)The Commission shall issue to every compliance officer a certificate of appointment and every compliance officer, in the execution of his or her duties under this Act or the regulations, shall produce his or her certificate of appointment on request.

32(3)For the purpose of determining whether this Act and the regulations are being complied with, a compliance officer, in carrying out a compliance review, may

32(4)In carrying out a compliance review, a compliance officer may

32(5)A compliance officer may carry out a compliance review within or outside the Province.

32(6)A compliance officer shall not enter a private dwelling under subsection (3) unless the compliance officer has the consent of the occupier or has obtained an entry warrant under the Entry Warrants Act.

32(7)Before or after attempting to enter or to have access to any premises, a compliance officer may apply for an entry warrant under the Entry Warrants Act.

32(8)The Commission may, in circumstances prescribed by regulation, require a credit reporting agency or credit repairer in respect of which a compliance review was carried out to pay the Commission any fee prescribed by regulation and to reimburse the Commission for any expenses prescribed by regulation.

33(1)A compliance officer who removes books, records or documents to make a copy or extract of them or any part of them shall give a receipt to the occupier of the premises for the books, records or documents removed and return the books, records or documents without delay after the making of copies or extracts.

33(2)A copy or extract of any book, record or document related to a compliance review and purporting to be certified by a compliance officer is admissible in evidence in any action, proceeding or prosecution and is proof, in the absence of evidence to the contrary, of the original without proof of the appointment, authority or signature of the person purporting to have certified the copy or extract.

35(1)No person shall obstruct or interfere with a compliance officer who is carrying out or attempting to carry out a compliance review under this Part, or withhold, destroy, conceal, alter or refuse to produce any information or thing reasonably required by a compliance officer for the purposes of the compliance review.

35(2)A refusal of consent to enter a private dwelling is not and shall not be considered to be interfering with or obstructing within the meaning of subsection (1), except if an entry warrant has been obtained.

36(1)The Director may make an order under subsection (2)

36(2)By an order applicable generally or to one or more persons named or otherwise described in the order, the Director may require any of the following persons to provide information or to produce books, records or documents or classes of books, records or documents specified or otherwise described in the order within the time or at the intervals specified in the order:

36(3)The Director may require that the authenticity, accuracy or completeness of information provided or of a book, record or document or a class of books, records or documents produced pursuant to an order under subsection (2) be verified by affidavit.

36(4)The Director may require that the information provided or that the books, records or documents or classes of books, records or documents produced pursuant to an order made under subsection (2) be delivered in electronic form, if the information or the books, records or documents or classes of books, records or documents are already available in that form.

37(1)The Commission may, by order, appoint a person as an investigator to make any investigation that the Commission considers expedient

37(2)In its order, the Commission shall specify the scope of an investigation to be carried out under subsection (1).

38(1)An investigator may, with respect to the person who is the subject of the investigation, investigate, inspect and examine

38(2)For the purposes of an investigation under this Part, an investigator may inspect and examine any book, record, document or thing, whether in possession or control of the person in respect of whom the investigation is ordered or any other person.

38(3)An investigator making an investigation under this Part may, on production of the order appointing him or her,

38(4)Inspection or examination under this section shall be completed without delay and the books, records, documents or things shall be returned promptly to the person who produced them.

38(5)No person shall withhold, destroy, conceal, alter or refuse to give any information or withhold, destroy, conceal, alter or refuse to produce any book, record, document or thing reasonably required under subsection (3) by an investigator.

39(1)An investigator making an investigation under this Part has the same power to summon and enforce the attendance of witnesses, to compel witnesses to give evidence under oath or in any other manner and to compel witnesses to produce books, records, documents and things or classes of books, records, documents and things as the Court of Queen’s Bench has for the trial of civil actions.

39(2)On the application of an investigator to the Court of Queen’s Bench, the failure or refusal of a person to attend, to take an oath, to answer questions or to produce books, records, documents and things or classes of books, records, documents and things in the custody, possession or control of the person makes the person liable to be committed for contempt as if in breach of an order or judgment of the Court of Queen’s Bench.

39(3)A person giving evidence at an investigation conducted under this section may be represented by legal counsel.

39(4)Testimony given by a person under this section shall not be admitted into evidence against that person in any prosecution other than for perjury in the giving of that testimony or the giving of evidence contradictory to that testimony.

41(1)On request to the investigator by the person who, at the time of the seizure, was in lawful possession of books, records, documents or things seized under this Part, the books, records, documents or things seized shall, at a time and place mutually convenient to the person who was in lawful possession of them at the time of the seizure and the investigator, be made available for consultation and copying by the person.

41(2)If books, records, documents or things are seized under this Part and the matter for which the books, records, documents or things were seized is concluded, the investigator shall return those books, records, documents or things to the person who was in lawful possession of them at the time of the seizure within 60 days after the day that the matter is concluded.

41(3)If books, records, documents or things are seized under this Part and the person who was in lawful possession of the books, records, documents or things at the time of the seizure alleges that the books, records, documents or things are not relevant in respect of the matter for which they were seized, that person may apply by notice of motion to the Court of Queen’s Bench for the return of the books, records, documents or things.

41(4)On a motion under subsection (3), the Court of Queen’s Bench shall order the return of any books, records, documents or things that it determines are not relevant to the matter for which they were seized to the person who was in lawful possession of the books, records, documents or things at the time of the seizure.

42(1)If an investigation has been made under this Part, the investigator shall, at the request of the Commission, provide a report of the investigation to the Commission or any transcripts of evidence or any material or other things in the investigator’s possession relating to the investigation.

42(2)A report that is provided to the Commission under this section is privileged and is inadmissible in evidence in any action or proceeding.

43(1)For the purpose of protecting the integrity of an investigation under this Part, the Commission may make an order that applies for the duration of the investigation, prohibiting a person from disclosing to any person other than the person’s lawyer the following information:

43(2)An order under subsection (1) does not apply to disclosures authorized by the regulations or by the Director in writing.

43(3)An investigator making an investigation under this Part may make, or authorize the making of, any disclosure of information that may be required for the effectual conduct of the investigation.

45(1)A person who does any of the following commits an offence, and is liable on conviction, for each offence, if an individual, to a fine of not more than $50,000 or to imprisonment for a term of not more than one year, or to both, and if a person other than an individual, to a fine of not more than $250,000:

45(2)Without limiting the availability of other defences, no person commits an offence under paragraph (1)(a) or (b) if

47(1)On the application of the Commission, the Tribunal, if in its opinion it is in the public interest to do so, may make one or more of the following orders:

47(2)The Tribunal may impose any terms and conditions that the Tribunal considers appropriate on an order under this section.

47(3)A person who is the subject of an order made under this section shall comply with any terms and conditions imposed on the order.

47(4)Unless the parties and the Tribunal consent, no order shall be made under this section without a hearing.

47(5)Despite subsection (4), if in the opinion of the Tribunal the length of time required to hold a hearing could be prejudicial to the public interest, the Tribunal, without a hearing, may make a temporary order under paragraph (1)(a), (b), (c) or (f).

47(6)The temporary order shall take effect immediately and shall expire on the fifteenth day after its making unless extended by the Tribunal.

47(7)The Tribunal may extend a temporary order until the hearing is concluded if a hearing is commenced within the 15-day period.

47(8)The Commission shall without delay give written notice of an order or temporary order made under this section to any person directly affected by the order or temporary order.

48(1)On the application of the Commission and after conducting a hearing, the Tribunal may order a person to pay an administrative penalty of, in the case of an individual, not more than $25,000, and in the case of a person other than an individual, not more than $100,000, if the Tribunal

48(2)The Tribunal may make an order under this section despite the imposition of any other penalty on the person or the making of any other order by the Tribunal, the Commission or the Director related to the same matter.

50(1)Despite any other provision of this Act or the regulations, an administrative proceeding conducted by the Commission, the Tribunal or the Director under this Act or the regulations may be disposed of by

50(2)An agreement, written undertaking or decision made, accepted or approved under subsection (1) may be enforced in the same manner as a decision made by the Commission, the Tribunal or the Director under any other provision of this Act or under the regulations.

52(1) A person who is directly affected by a decision of the Director made under this Act may appeal it to the Tribunal within 30 days after the date of the decision.

52(2)The Tribunal may by order confirm, vary or rescind the whole or any part of a decision under appeal or substitute its own decision for that of the Director.

52(3)Despite the fact that an appeal is held under this section, a decision under appeal takes effect immediately, but the Tribunal may grant a stay of the decision until disposition of the appeal.

56(1)The Lieutenant-Governor may make regulations and the Commission may make rules

56(2)The Lieutenant-Governor in Council may make regulations

56(3)The Lieutenant-Governor in Council may, by order, amend or repeal a rule made by the Commission.

56(4)Subject to the approval of the Minister, the Commission, concurrently with making a rule, may make a regulation that amends or repeals any provision of a regulation made by the Lieutenant-Governor in Council under this Act or by the Commission under this subsection that in the opinion of the Commission is necessary or advisable to effectively implement the rule.

56(5)A regulation made under subsection (4) is not effective before the rule referred to in that subsection comes into force.

56(6)Subject to subsection (5), a regulation made under subsection (4) may be retroactive in its operation.

56(7)A regulation or rule authorized by this section may incorporate by reference, in whole or in part, any laws, any by-laws or other regulatory instruments or any codes, standards, procedures or guidelines as they are amended from time to time before or after the making of the regulation or the rule or as they read at a fixed time and may require compliance with any law, any by-law or other regulatory instrument or any code, standard, procedure or guideline so incorporated.

56(8)Regulations or rules may vary for or be made in respect of different persons, matters or things or different classes or categories of persons, matters or things.

56(9)A regulation or a rule may be general or particular in its application, may be limited as to time or place or both and may exclude any place from the application of the regulation or rule.

56(10)The Regulations Act does not apply to the rules made under this Act.

56(11)If there is a conflict or an inconsistency between a regulation made by the Lieutenant-Governor in Council under this Act and a rule made under this Act, the regulation prevails but in all other respects a rule has the same force and effect as a regulation.

57(1)As soon as the circumstances permit after a rule is made under section 56, the Commission shall

57(2)Without delay after the Commission makes a rule, it shall make a copy of the rule available for public inspection at each of the Commission’s offices during the normal business hours of the Commission.

57(3)When notice of a rule has been published in The Royal Gazette in accordance with paragraph (1)(b), a person affected by the rule shall be deemed to have notice of it on the date the rule is published in accordance with paragraph (1)(a).

59(1)The Secretary of the Commission may maintain a consolidation of the rules made by the Commission.

59(2)In maintaining a consolidation of the rules, the Secretary of the Commission may make changes respecting form and style and respecting typographical errors without changing the substance of a rule.

59(3)The Commission may publish the consolidated rules in the frequency that it considers appropriate.

59(4)A consolidated rule does not operate as new law but shall be interpreted as a consolidation of the law contained in the original rule and any subsequent amendments.

59(5)In the event of an inconsistency between a consolidated rule published by the Commission and the original rule or a subsequent amendment, the original rule or amendment prevails to the extent of the inconsistency.