Financial Consumer Agency of Canada Act

An Act to establish the Financial Consumer Agency of Canada and to amend certain Acts in relation to financial institutions

Canada (Federal)· F-11.1· 233 sections· current to 2026-03-26In force

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Policy areas

Finance & Taxation Consumer Protection Economy, Business & Trade

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Sections320

1Short title
This Act may be cited as the Financial Consumer Agency of Canada Act.
2Definitions
The following definitions apply in this section and in sections 3 to 34.
2[p2]
Agency means the Financial Consumer Agency of Canada established under section 3. (Agence)
2[p3]
bank holding company means a bank holding company as defined in section 2 of the Bank Act; (société de portefeuille bancaire)
2[p4]
Commissioner means the Commissioner of the Agency appointed under section 4. (commissaire)
2[p5]
consumer provision means
2[p5](a)
paragraph 157(2)(e), sections 195.1, 273.1, 627.02 to 627.998 and 979.1 to 979.4 of the Bank Act together with any regulations made under or for the purposes of those provisions;
2[p5](a.1)
sections 992 to 1003 of the Bank Act as those sections apply to any notice, document or other information that is required under the provisions referred to in paragraph (a);
2[p5](a.2)
the provisions contained in a plan approved by the Minister under subsection 39.011(2) of the Bank Act;
2[p5](b)
paragraphs 167(2)(f) and (g), subsection 382.2(3) and sections 385.05 to 385.28 of the Cooperative Credit Associations Act together with any regulations made under or for the purposes of those provisions;
2[p5](b.1)
sections 487.01 to 487.12 of the Cooperative Credit Associations Act as those sections apply to any notice, document or other information that is required under the provisions referred to in paragraph (b);
2[p5](c)
paragraphs 165(2)(f) and (g), subsection 469.1(3), sections 479 to 489.3, subsection 542.061(3) and sections 598 to 607.2 of the Insurance Companies Act together with any regulations made under or for the purposes of those provisions;
2[p5](c.1)
sections 1034 to 1045 of the Insurance Companies Act as those sections apply to any notice, document or other information that is required under the provisions referred to in paragraph (c);
2[p5](d)
paragraphs 161(2)(e) and (f), subsection 418.1(3) and sections 425.1 to 444.3 of the Trust and Loan Companies Act together with any regulations made under or for the purposes of those provisions;
2[p5](d.1)
sections 539.01 to 539.12 of the Trust and Loan Companies Act as those sections apply to any notice, document or other information that is required under the provisions referred to in paragraph (d); and
2[p15]
2[p5](e)
subsection 469.1(3) as set out in paragraph 17(1)(f) of the Green Shield Canada Act and the provisions referred to in paragraph 17(1)(f.1) of that Act as they apply to Green Shield Canada in accordance with section 17 of that Act together with any regulations made under or for the purposes of those provisions. (disposition visant les consommateurs)
2[p16]
Deputy Commissioner means a Deputy Commissioner appointed under section 8. (commissaire adjoint)
2[p17]
external complaints body has the same meaning as in section 2 of the Bank Act. (organisme externe de traitement des plaintes)
2[p17](a)
2[p18]
financial institution means
2[p17](b)
2[p18](a)
a bank as defined in section 2 of the Bank Act;
2[p17](c)
2[p18](b)
an authorized foreign bank as defined in section 2 of the Bank Act;
2[p17](d)
2[p18](c)
a company to which the Trust and Loan Companies Act applies;
2[p17](e)
2[p18](d)
a retail association as defined in section 2 of the Cooperative Credit Associations Act;
2[p17](f)
2[p18](e)
a company or foreign company to which the Insurance Companies Act applies; and
2[p18](f)
Green Shield Canada. (institution financière)
2[p24]
2[p25]Repealed
Financial Literacy Leader[Repealed, 2018, c. 27, s. 336]
2[p25](a)
2[p26]
governing statute means
2[p25](b)
2[p26](a)
in relation to a bank or authorized foreign bank as defined in the Bank Act, that Act;
2[p25](c)
2[p26](b)
in relation to a retail association to which the Cooperative Credit Associations Act applies, that Act;
2[p25](d)
2[p26](c)
in relation to a company or foreign company to which the Insurance Companies Act applies, that Act;
2[p25](e)
2[p26](d)
in relation to a company to which the Trust and Loan Companies Act applies, that Act; and
2[p26](e)
in relation to Green Shield Canada, the Green Shield Canada Act. (loi d’application)
2[p31]
2[p32]
insurance holding company means an insurance holding company as defined in subsection 2(1) of the Insurance Companies Act. (société de portefeuille d’assurances)
2[p33]
Minister means the Minister of Finance. (ministre)
2[p34]Repealed
participating entity[Repealed, 2026, c. 3, s. 226]
2[p35]
payment card network operator means an entity, as defined in section 3 of the Payment Card Networks Act, that operates or manages a payment card network, as defined in that section, including by establishing standards and procedures for the acceptance, transmission or processing of payment transactions and by facilitating the electronic transfer of information and funds. (exploitant de réseau de cartes de paiement)
2[p36]
penalty means an administrative monetary penalty. (pénalité)
2[p37]
prescribed means prescribed by regulation. (Version anglaise seulement)
2[p38]Repealed
Senior Deputy Commissioner[Repealed, 2026, c. 3, s. 226]
2[p39]Repealed
technical standards body[Repealed, 2026, c. 3, s. 226]
2.1Supervision and protection
The purpose of this Act is to ensure that financial institutions, the external complaints body and payment card network operators are supervised by an agency of the Government of Canada so as to contribute to the protection of consumers of financial products and services and the public, including by strengthening the financial literacy of Canadians.
3Establishment
3(1)
There is hereby established an agency of the Government of Canada called the Financial Consumer Agency of Canada over which the Minister shall preside and for which the Minister shall be responsible.
3(2)Objects
The objects of the Agency are to
3(2)(a)
supervise financial institutions and the external complaints body to determine whether they are in compliance with
3(2)(a)(i)
the consumer provisions applicable to them, and
3(2)(a)(ii)
the terms and conditions or undertakings with respect to the protection of customers of financial institutions that the Minister imposes or requires, as the case may be, under an Act listed in Schedule 1 and the directions that the Minister imposes under this Act;
3(2)(b)
strive to protect the rights and interests of consumers of financial products and services and the public, taking into account the need of financial institutions to efficiently manage their business operations;
3(2)(b.1)Repealed
[Repealed, 2018, c. 27, s. 338]
3(2)(c)
promote the adoption by financial institutions of policies and procedures designed to implement provisions, terms and conditions, undertakings or directions referred to in paragraph (a) — as well as voluntary codes of conduct that are adopted by financial institutions, and any public commitments made by them, that are designed to protect the rights and interests of their customers — and monitor the implementation of those voluntary codes and public commitments;
3(2)(c.1)
promote the adoption by the external complaints body of policies and procedures designed to implement the provisions, terms and conditions, undertakings or directions referred to in paragraph (a);
3(2)(c.2)
monitor and evaluate trends and emerging issues that may have an impact on consumers of financial products and services, and make information on those trends and issues public;
3(2)(d)
strengthen the financial literacy of Canadians and promote consumer awareness about the obligations of financial institutions and the external complaints body under the consumer provisions applicable to them and about all matters connected with the protection of consumers of financial products and services; and
3(2)(e)
foster, in co-operation with any department, agency or agent corporation of the Government of Canada or of a province, financial institutions and consumer and other organizations, an understanding of financial services and issues relating to financial services.
3(2)(f)Repealed
[Repealed, 2018, c. 27, s. 338]
3(2)(g)Repealed
[Repealed, 2018, c. 27, s. 338]
3(3)Objects — payment card network operators
The objects of the Agency are also to
3(3)(a)
supervise payment card network operators to determine whether they are in compliance with the provisions of the Payment Card Networks Act and its regulations;
3(3)(b)
promote the adoption by payment card network operators of policies and procedures designed to implement the provisions of the Payment Card Networks Act and its regulations;
3(3)(c)
monitor the implementation of voluntary codes of conduct that have been adopted by payment card network operators and that are publicly available, and to monitor any public commitments made by them regarding their commercial practices in relation to payment card networks; and
3(3)(d)
promote public awareness about the obligations of payment card network operators under a voluntary code of conduct or under the Payment Card Networks Act.
3(4)Repealed
[Repealed, 2026, c. 3, s. 228]
3(4)(a)
3(4)(a)(i)
4Appointment of Commissioner
3(4)(a)(ii)
4(1)
The Governor in Council shall appoint an officer to be called the Commissioner of the Financial Consumer Agency of Canada. The Commissioner has the rank and all the powers of a deputy head of a department.
3(4)(b)
4(2)Tenure of office and removal
The Commissioner holds office during good behaviour for a term of not more than five years, but may be removed for cause by the Governor in Council.
3(4)(c)
4(3)Further terms
The Commissioner, on the expiration of any term of office, is eligible to be re-appointed for a further term of office.
3(4)(d)
4(4)Absence or incapacity
In the event of the absence or incapacity of the Commissioner, or if the office of Commissioner is vacant, the Minister may appoint a qualified person to exercise the powers and perform the duties and functions of the Commissioner, but no person may be so appointed for a term of more than 90 days without the approval of the Governor in Council.
4(5)Remuneration
The Commissioner shall be paid the remuneration fixed by the Governor in Council.
4(6)Expenses
The Commissioner and any person appointed under subsection (4) are entitled to be paid reasonable travel and living expenses incurred in the course of performing their duties while absent from their ordinary place of work.
4(7)Deemed employment
The Commissioner and any person appointed under subsection (4) are deemed to be employed in the public service for the purposes of the Public Service Superannuation Act and to be employed in the federal public administration for the purposes of the Government Employees Compensation Act and any regulations made under section 9 of the Aeronautics Act.
4.1Repealed
[Repealed, 2018, c. 27, s. 340]
5Powers, duties and functions of the Commissioner
5(1)
The Commissioner has the powers, duties and functions assigned to the Commissioner by this Act and by the Acts listed in Schedule 1 and shall examine and inquire into, and report to the Minister from time to time on, all matters connected with the administration of this Act and of the consumer provisions of those other Acts.
5(1.1)Functions — Payment Card Networks Act
The Commissioner shall also examine and inquire into, and report to the Minister from time to time on, all matters connected with the administration of the Payment Card Networks Act and its regulations.
5(2)Personal information
The Commissioner may collect any personal information that he or she considers necessary in furtherance of the objects described in subsection 3(2).
5(2.1)Personal information
The Commissioner may also collect any personal information that he or she considers necessary in furtherance of the objects described in subsection 3(3).
5(3)Review re voluntary codes of conduct
The Commissioner, if a financial institution has adopted a voluntary code of conduct referred to in paragraph 3(2)(c) or made a commitment designed to protect the interests of its customers, may make or cause to be made any review that he or she considers necessary to monitor compliance with the code or the commitment, as the case may be.
5(3.1)Review
If a payment card network operator has adopted a voluntary code of conduct or made a public commitment referred to in paragraph 3(3)(c), the Commissioner may make or cause to be made any review that he or she considers necessary to monitor compliance with the code or the commitment, as the case may be.
5(4)Respect for other monitors
When acting under subsection (3), the Commissioner shall have due regard for the role of any department, agency or agent corporation of the Government of Canada or of a province or any organization that has a role in monitoring compliance by financial institutions with voluntary codes of conduct or commitments.
5(5)Activities
The Commissioner may carry on any activity that he or she considers necessary in furtherance of the objects described in subsection 3(2).
5(6)Activities
The Commissioner may also carry on any activity that he or she considers necessary in furtherance of the objects described in subsection 3(3).
5.01Business plan
5.01(1)
At least 30 days before the end of each fiscal year, the Commissioner shall submit a business plan to the Minister for approval.
5.01(2)Content of business plan
The business plan shall include a statement, for at least the following financial year, of the Agency’s objectives, the strategies that it intends to use to achieve those objectives and its operating and capital budgets.
5.1Minister’s direction
5.1(1)
The Minister may give a written direction to the Agency if the Minister is of the opinion that it can strengthen consumer protection and the public’s confidence in that protection or enhance the financial literacy of Canadians.
5.1(2)Notification of implementation
After implementing the direction, the Commissioner shall notify the Minister without delay that the direction has been implemented.
5.1(3)Best interests
Compliance by the Agency with a direction is deemed to be in its best interests.
5.1(4)Statutory Instruments Act
The Statutory Instruments Act does not apply to a direction given under subsection (1).
5.1(5)Publication
The Minister shall cause a notice to be published in the Canada Gazette that a direction was given under subsection (1) as soon as is feasible after the direction is implemented.
6Duties and functions generally
6(1)
The Commissioner shall engage exclusively in the duties and functions of the Commissioner under section 5 and as deputy head of the Agency.
6(2)Other duties
Despite subsection (1), the Commissioner may hold any other office under Her Majesty or perform any other duties for Her Majesty, but not for reward.
6.1Repealed
[Repealed, 2018, c. 27, s. 343]
7Agreements
The Agency, in order to carry out its objects, may enter into an agreement or arrangement with a department or agency of the Government of Canada or of a province or with any other person or body in the name of Her Majesty in right of Canada or in its own name. An agreement or arrangement with a department or agency of a province must be made with the approval of the Governor in Council.
7.1Agreements — payment card network operators
In order to carry out the objects described in paragraph 3(3)(c), the Agency, in the name of Her Majesty in right of Canada or in its own name, may enter into an agreement with a payment card network operator, including an agreement respecting the provision of information or the payment of fees.
7.2Repealed
[Repealed, 2026, c. 3, s. 230]
7.3Repealed
[Repealed, 2026, c. 3, s. 230]
7.4Repealed
[Repealed, 2026, c. 3, s. 230]
8Appointment of Deputy Commissioner
The Commissioner may appoint one or more officers each to be called a Deputy Commissioner of the Financial Consumer Agency of Canada who shall act under the instructions of the Commissioner.
9Exercise by personnel
Except as otherwise provided by the Commissioner and subject to any terms and conditions that may be specified by the Commissioner, a person who is an officer or employee of the Agency may exercise any of the powers and perform any of the duties and functions of the Commissioner under this Act if the person is appointed to serve in the Agency in a capacity appropriate to the exercise of the power or performance of the duty or function.
9.1Repealed
[Repealed, 2026, c. 3, s. 231]
10Employees
The employees that are necessary to enable the Commissioner to perform the Commissioner’s duties are to be appointed in accordance with the Public Service Employment Act.
7.2(1)
11Responsibility for human resources management
7.2(2)Absence or incapacity
11(1)
In respect of persons appointed under sections 8 and 10, the Commissioner is authorized to exercise the powers and perform the functions of the Treasury Board that relate to human resources management within the meaning of paragraphs 7(1)(b) and (e) and section 11.1 of the Financial Administration Act, and those of deputy heads under subsection 12(2) of that Act, as that subsection reads without regard to any terms and conditions that the Governor in Council may direct, including the determination of terms and conditions of employment and the responsibility for employer and employee relations.
11(2)Delegation of powers
The Commissioner may authorize any person employed in the federal public administration to exercise and perform, in any manner and subject to any terms and conditions that the Commissioner directs, any of the powers and functions of the Commissioner in relation to human resources management in the public service and may, from time to time as the Commissioner sees fit, revise or rescind and reinstate the authority so granted.
7.3(1)
11(3)Sub-delegation of such powers
Any person authorized under subsection (2) to exercise and perform any of the powers and functions of the Commissioner may, subject to and in accordance with the authorization, authorize one or more persons under their jurisdiction or any other person to exercise or perform any such power or function.
7.3(2)Powers, duties and functions
12Official Languages Act
For greater certainty, the Official Languages Act applies to the Agency.
7.3(3)Personal information
12.1Repealed
[Repealed, 2026, c. 3, s. 234]
13Expenditures out of C.R.F.
13(1)
Subject to subsection (2), the Minister may, in any fiscal year on terms and conditions — including the rate of interest, if any — that are determined by the Minister, advance amounts out of the Consolidated Revenue Fund to the Agency to permit it to defray its costs of operation.
13(2)Spending authority
In carrying out its responsibilities, the Agency may spend assessments and other revenues received through the conduct of its operations in the fiscal year in which they are received or, unless an appropriation Act provides otherwise, in the next fiscal year. The amount of those assessments or other revenues shall be paid out of the Consolidated Revenue Fund.
13(3)Payment for activity
If the Agency carries on any activity in furtherance of an object described in paragraph 3(2)(d) or (e) on the Minister’s recommendation, the Minister may on terms and conditions approved by the Treasury Board, in any fiscal year, make a payment out of the Consolidated Revenue Fund to the Agency for the purposes of the activity.
14Ownership
14(1)
The Commissioner, a person appointed under subsection 4(4) or a Deputy Commissioner must not hold, directly or indirectly, any interest or right in any shares of any financial institution, any bank holding company, any insurance holding company, the external complaints body or any other body corporate, however created, carrying on any business in Canada that is substantially similar to any business carried on by any financial institution or the external complaints body.
14(2)Prohibitions — federal credit union
The Commissioner, a person appointed under subsection 4(4) or a Deputy Commissioner must not
14(2)(a)
directly or indirectly hold any interest or right in membership shares of a federal credit union, within the meaning of section 2 of the Bank Act, in excess of the minimum number of membership shares of the federal credit union that is required for membership; or
14(2)(b)
exercise any right he or she has as a member of such a federal credit union, except any right that he or she has as a customer of the federal credit union.
14.1Ownership — payment card network operators
The Commissioner, a person appointed under subsection 4(4) or a Deputy Commissioner must not hold, directly or indirectly, any interest or right in any shares of a payment card network operator.
12.1(1)
15Repealed
[Repealed, 2026, c. 3, s. 237]
12.1(2)Remuneration and expenses
16No grant or gratuity to be made
16(1)
The Commissioner, a person appointed under subsection 4(4), a Deputy Commissioner and any person appointed under section 10 must not accept or receive, directly or indirectly, any grant or gratuity from a financial institution, a bank holding company, an insurance holding company or the external complaints body or from a director, officer or employee of any of them and a financial institution, a bank holding company, an insurance holding company and the external complaints body, and any director, officer or employee of any of them, must not make or give any such grant or gratuity.
16(1.1)No grant or gratuity — payment card network operators
The Commissioner, a person appointed under subsection 4(4), a Deputy Commissioner and any person appointed under section 10 must not accept or receive, directly or indirectly, any grant or gratuity from a payment card network operator or any of its directors, officers or employees, and a payment card network operator or any of its directors, officers or employees must not make or give any such grant or gratuity.
16(1.2)Repealed
[Repealed, 2026, c. 3, s. 238]
16(2)Offence and punishment
Every person, financial institution, bank holding company, insurance holding company or payment card network operator that contravenes subsection (1) or (1.1) is guilty of an offence and liable
16(2)(a)
on summary conviction, to a fine of not more than $2000 or to imprisonment for a term of not more than six months or to both; or
16(2)(b)
on conviction on indictment, to a fine of not more than $10,000 or to imprisonment for a term of not more than five years or to both.
17Confidential information
17(1)
Subject to subsection (2) and except as otherwise provided in this Act, information regarding the business or affairs of a financial institution or of the external complaints body or regarding persons dealing with a financial institution or with the external complaints body that is obtained by the Commissioner or by any person acting under the Commissioner’s direction, in the course of the exercise or performance of powers, duties and functions referred to in subsections 5(1) and (2) and 5.1(2), and any information prepared from that information, is confidential and shall be treated accordingly.
17(2)Disclosure permitted
If the Commissioner is satisfied that the information will be treated as confidential by the agency, body or person to whom it is disclosed, subsection (1) does not prevent the Commissioner from disclosing it
17(2)(a)
to any government agency or body that regulates or supervises financial institutions, for purposes related to that regulation or supervision;
17(2)(b)
to any other agency or body that regulates or supervises financial institutions, for purposes related to that regulation or supervision;
17(2)(c)
to the Canada Deposit Insurance Corporation or any compensation association designated by order of the Minister pursuant to subsection 449(1) or 591(1) of the Insurance Companies Act, for purposes related to its operation; and
17(2)(d)
to the Deputy Minister of Finance or any officer of the Department of Finance authorized in writing by the Deputy Minister of Finance or to the Governor of the Bank of Canada or any officer of the Bank of Canada authorized in writing by the Governor of the Bank of Canada, for the purposes of policy analysis related to the regulation of financial institutions.
17(3)Confidential information — payment card network operators
Subject to subsection (4) and except as otherwise provided in this Act, information regarding the business or affairs of a payment card network operator, or regarding persons dealing with one, that is obtained by the Commissioner or by a person acting under the direction of the Commissioner, in the course of the exercise or performance of powers, duties and functions under subsection 5(1.1) or (2.1), and any information prepared from that information, is confidential and shall be treated accordingly.
17(4)Disclosure permitted
If the Commissioner is satisfied that the information will be treated as confidential by the person to whom it is disclosed, the Commissioner may disclose it to
17(4)(a)
the Deputy Minister of Finance, or any officer of the Department of Finance authorized in writing by the Deputy Minister of Finance, for the purpose of policy analysis related to the regulation of payment card network operators; or
17(4)(b)
the Governor of the Bank of Canada, or any officer of the Bank of Canada authorized in writing by the Governor of the Bank of Canada, for the purpose of carrying out the Bank of Canada’s objects under the Retail Payment Activities Act or, in relation to a provision of that Act that is not in force, for the purpose of planning to carry out those objects.
17(5)Repealed
[Repealed, 2026, c. 3, s. 239]
17(6)Repealed
[Repealed, 2026, c. 3, s. 239]
18Commissioner to ascertain expenses
18(1)
The Commissioner shall, before December 31 in each year, ascertain the total amount of expenses incurred during the immediately preceding fiscal year for or in connection with the administration of this Act and the consumer provisions — excluding the expenses incurred in connection with the objects described in subsection 3(3) — and the amounts of any prescribed categories of those expenses in relation to any prescribed group of financial institutions and the external complaints body.
18(1.1)Commissioner to ascertain expenses — direction
After the publication of a notice under subsection 5.1(5), the Commissioner shall ascertain the amount of expenses that the Agency incurred in complying with the direction.
18(2)Amount conclusive
The amounts ascertained under subsections (1) and (1.1) are final and conclusive for the purposes of this section.
18(3)Assessment
As soon as possible after ascertaining the amounts under subsections (1) and (1.1), the Commissioner shall assess a portion of the total amount of expenses against each financial institution and the external complaints body to the extent and in the manner that the Governor in Council may, by regulation, prescribe.
18(3.1)Exception
No assessment is to be made in respect of
18(3.1)(a)
a company to which the Insurance Companies Act applies that was exempt from the application of paragraphs 165(2)(f) and (g) and sections 479 to 489.2 of that Act during the entire fiscal year to which the assessment relates; or
18(3.1)(b)
a foreign company to which that Act applies that was exempt from the application of sections 598 to 607.1 of that Act during the entire fiscal year to which the assessment relates.
18(4)Interim assessment
The Commissioner may, during each fiscal year, prepare an interim assessment against any financial institution or the external complaints body.
18(4.1)Assessment for financial literacy
The Commissioner may, during a fiscal year, impose an assessment against any financial institution to cover some or all of the expenses related to initiatives to strengthen the financial literacy of Canadians.
18(5)Assessment is binding
Every assessment and interim assessment is final and conclusive and binding on the financial institution against which it is made or the external complaints body, as the case may be.
18(5.1)Commissioner to ascertain expenses — payment card network operators
The Commissioner shall, before December 31 in each year, ascertain the total amount of expenses incurred during the immediately preceding fiscal year in connection with the objects described in paragraphs 3(3)(a), (b) and (d).
17(6)(a)
18(5.2)Amount conclusive
The amount ascertained under subsection (5.1) is final and conclusive for the purposes of this section.
17(6)(b)
18(5.3)Assessment
As soon as possible after ascertaining the amount under subsection (5.1), the Commissioner shall assess a portion of the total amount of expenses against each payment card network operator to the extent and in the manner that may be prescribed.
17(6)(c)
18(5.4)Interim assessment
The Commissioner may, during each fiscal year, prepare an interim assessment against any payment card network operator.
17(6)(d)
18(5.5)Assessment is binding
Every assessment and interim assessment is final and conclusive and binding on the payment card network operator against which it is made.
18(6)Recovery
Every assessment and interim assessment constitutes a debt due to Her Majesty, is immediately payable and may be recovered as a debt in any court of competent jurisdiction.
18(7)Interest
Interest may be charged on the unpaid amount of an assessment or interim assessment at a rate equal to the rate prescribed under the Income Tax Act for amounts payable by the Minister of National Revenue as refunds of overpayments of tax under that Act in effect from time to time plus 2%.
19Regulations
19(1)
The Governor in Council may make regulations
19(1)(a)
designating, as a violation that may be proceeded with under sections 20 to 31, the contravention of a specified consumer provision, or the non-compliance with
19(1)(a)(i)
a compliance agreement entered into under an Act listed in Schedule 1, and
19(1)(a)(ii)
terms and conditions, undertakings or directions referred to in subparagraph 3(2)(a)(ii).
19(1)(a.1)
designating, as a violation that may be proceeded with under sections 20 to 31, the contravention of a specified provision of the Payment Card Networks Act or its regulations;
19(1)(a.2)
designating, as a violation that may be proceeded with under sections 20 to 31, the non-compliance with an agreement entered into under section 7.1;
19(1)(b)
fixing, in accordance with subsection (2), a penalty, or a range of penalties, in respect of any violation;
19(1)(c)
respecting the service of documents required or authorized to be served under sections 20 to 31, including the manner and proof of service and the circumstances under which documents are deemed to be served;
19(1)(c.1)
prescribing the circumstances in which the Commissioner shall not make public, under subsection 31(1), the name of the person who committed the violation; and
19(1)(d)
generally, for carrying out the purposes and provisions of this section and sections 20 to 31.