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2017, c.27
- Credit Reporting Services Act
Detailled Table of Contents
Current to 1 January 2024
Credit Reporting Services Act
1
PRELIMINARY MATTERS
1
Definitions
2
Non-application of Act
3
Exemptions
2
LICENSING
4
Licence
5
Issuance of licence and imposition of terms and conditions
6
Suspension or cancellation of licence
7
Register of licence holders
8
Change in circumstances
3
INFORMATION IN FILES AND CREDIT REPORTS OF CREDIT REPORTING AGENCIES
9
Information in the files of a credit reporting agency
10
Contents of credit reports
11
Consent
12
Publication of policies
4
CONSUMER RIGHTS
Division A
Credit Reporting
13
Communication with credit reporting agencies
14
Waiver of rights prohibited
15
Adverse action
16
Clarity of information
17
Right of consumer to disclosure
18
Correction of errors
19
Consumer’s statement of dispute
20
Security alerts
Division B
Credit Repair
21
Requirements for agreements for credit repair
22
Advance payments prohibited
23
Cancellation: cooling-off period
24
Notice of cancellation and obligations on cancellation
25
Officers and directors
26
Prohibited representations
Division C
General
27
Complaints
28
Information respecting complaint
29
Order by Director
5
RECORD-KEEPING, ADVERTISING AND COMPLIANCE REVIEWS
30
Record-keeping
31
False or misleading advertisement
32
Compliance review
33
Removal of documents
34
Misleading statements
35
Obstruction
6
INVESTIGATIONS
36
Provision of information to Director
37
Investigation order
38
Powers of investigator
39
Power to compel evidence
40
Investigators authorized as peace officers
41
Seized property
42
Report of investigation
43
Prohibition against disclosure
44
Non-compellability
7
ENFORCEMENT
45
Offences generally
46
Misleading or untrue statements
47
Orders in the public interest
48
Administrative penalty
49
Directors and officers
50
Resolution of administrative proceedings
51
Limitation period
8
GENERAL
52
Appeal
53
Certificate evidence
54
Conflict with the Right to Information and Protection of Privacy Act
55
Administration
56
Regulations and rules
57
Notice and publication of rules
58
Changes by Secretary of the Commission
59
Consolidated rules
9
TRANSITIONAL PROVISION, CONSEQUENTIAL AMENDMENTS AND COMMENCEMENT
60
Transitional provision
61
Financial and Consumer Services Commission Act
62
Commencement
SCHEDULE A