Skip to main content
Back to Bills
OntarioPassed41st Parliament, 2nd Session

Bill 47 explained in plain English

Protecting Rewards Points Act (Consumer Protection Amendment), 2016

Ontario legislature bill summary, status, timeline, sponsor, votes, and official sources.

At a glance

Jurisdiction
Ontario Legislature
Legislature / Parliament
Legislative Assembly of Ontario
Session
41st Parliament, 2nd Session
Bill number
Bill 47
Full title
Protecting Rewards Points Act (Consumer Protection Amendment), 2016
Current status
Passed
Latest event
Royal Assent received
Last updated
Dec 8, 2016

Official Legislative Assembly of Ontario snapshot for 41st Parliament, 2nd Session. Representative vote breakdowns appear when the Assembly publishes an Ayes and Nays page for the bill.

Chamber
Legislative Assembly of Ontario
Current Stage
Royal Assent received
Latest Activity
Dec 8, 2016
Plain-language explanation
In plain English (our explanation)

Our plain-language take, written for civic education.

Source: By PoliticalData.ca

AI-assisted, reviewed before publishing
Short Version

This Act amends the Consumer Protection Act, 2002, to prevent rewards points from expiring solely due to the passage of time, with specific rules for agreement termination and retroactive application.

What It Means

Bill 47, also known as the Protecting Rewards Points Act (Consumer Protection Amendment), 2016, amends the Consumer Protection Act, 2002. The main purpose is to regulate how "rewards points" (like loyalty points) can expire. It states that suppliers cannot have agreements where these points expire simply because time has passed. However, points can expire if the agreement is terminated by either the supplier or the consumer, provided the agreement specifies this. The bill also includes provisions for the transfer and inactivity of rewards points, and allows for regulations to further define these aspects. It sets out rules for agreements that existed before or after the bill came into force, and requires suppliers to credit back certain points that expired retroactively.

What This Bill Does
  • Amends the Consumer Protection Act, 2002 to include provisions for rewards points.
  • Prohibits suppliers from setting expiry dates for rewards points that are solely based on the passage of time.
  • Allows rewards points to expire if a consumer agreement is terminated by either party, as long as the agreement states this.
  • Applies these rules to consumer agreements for rewards points that existed before, or were entered into after, the bill came into force.
  • Requires suppliers to credit back rewards points that expired on or after October 1, 2016, and before the bill came into force.
  • Deems consumer agreements terminated by a supplier after October 1, 2016, as not terminated, requiring suppliers to credit back expired rewards points.
  • Allows regulations to be made to govern the transfer, inactivity, termination of agreements related to rewards points, and transitional matters.
  • Amends definitions in the Consumer Protection Act, 2002, related to 'consumer agreement' and 'supplier' to include rewards points.
  • Adds the definition of 'rewards points' to the Consumer Protection Act, 2002.
Who Is Affected
  • Consumers who participate in rewards points programs.
  • Suppliers (businesses) that offer rewards points.
  • The Crown (in relation to potential legal actions concerning retroactive application).
Rights, Duties, Or Obligations
  • Suppliers are prohibited from creating or amending agreements where rewards points expire solely due to the passage of time.
  • Consumers may have their rewards points expire if the consumer agreement is terminated and the agreement allows for it.
  • Suppliers must credit back rewards points that expired retroactively between October 1, 2016, and the bill's commencement date.
  • Consumers may present records to courts or tribunals to support claims regarding the crediting back of rewards points, with the court determining admissibility and weight.
Important Dates
  • The Act came into force on a day to be named by proclamation of the Lieutenant Governor.
  • Rules regarding rewards points apply to agreements existing on October 1, 2016.
  • Rules apply to agreements entered into after October 1, 2016, but before the Act came into force.
  • Rules apply to agreements entered into on or after the date the Act came into force.
  • Suppliers must credit back expired rewards points within 15 days of the Act coming into force if they expired on or after October 1, 2016.
  • Suppliers must credit back rewards points within 15 days of the Act coming into force if an agreement was terminated by the supplier after October 1, 2016.
Financial Or Tax Impacts
  • Suppliers may be required to credit back rewards points that previously expired, representing a financial cost.
  • The Act states that no costs, compensation, or damages are owed by the Crown as a result of the retroactive application of its provisions regarding rewards points.
Enforcement Or Penalties
  • Provisions of a consumer agreement that contravene Section 47.1 of the Consumer Protection Act, 2002, are not enforceable.
  • The bill does not create any retroactive offenses.
Uncertainties Or Limits
  • The exact date the Act came into force is not specified in the provided text, as it requires proclamation by the Lieutenant Governor.
  • The specific details of what constitutes 'rewards points' and exceptions to expiry rules can be further defined by regulations.
  • The Act mentions 'prescribed exceptions' and 'prescribed limits' for the expiry of rewards points, which would be detailed in regulations not provided.
Laws Or Regulations Affected
Consumer Protection Act, 2002
amends

This Act amends the Consumer Protection Act, 2002 by adding new provisions related to rewards points and modifying existing definitions.

Source: Bill 47 (Chapter 34 of the Statutes of Ontario, 2016)

Section 1 of the Consumer Protection Act, 2002
amends

The definition of 'consumer agreement' is changed to include agreements where a supplier agrees to provide rewards points to a consumer. The definition of 'supplier' is changed to include a person who supplies rewards points. A new definition for 'rewards points' is added.

Source: Section 1(1), 1(2), 1(3)

Part IV of the Consumer Protection Act, 2002
amends

A new section (47.1) is added to Part IV concerning the non-expiry of rewards points, rules for expiry upon termination, retroactive crediting of expired points, and other related matters.

Source: Section 2(1)

Section 47.1 of the Consumer Protection Act, 2002
amends

This new section prohibits the expiry of rewards points solely due to the passage of time, details conditions under which points may expire upon termination of an agreement, and outlines retroactive crediting of points that expired after a specific date. However, subsections related to retroactive crediting and evidence in proceedings are repealed by Section 2(2) of this Bill.

Source: Section 2(1) and 2(2)

Subsection 123 (1) of the Consumer Protection Act, 2002
amends

This subsection is amended to allow for regulations that clarify the definition of 'rewards points' and specify what constitutes rewards points.

Source: Section 3(1)

Subsection 123 (5) of the Consumer Protection Act, 2002
amends

This subsection is amended to allow for regulations governing the transfer of rewards points, their inactivity, the termination of agreements, and transitional matters related to section 47.1.

Source: Section 3(2)

Generated using AI from official bill text. Not legal advice. It is written by PoliticalData.ca for civic education, automatically checked and spot-reviewed before publishing.

Official text

Process Snapshot

Step 1
First reading
Oct 20, 2016
Step 2
Second reading
Oct 27, 2016
Step 3
Committee review
Nov 29, 2016
Step 4
Third reading
Dec 5, 2016
Step 5
Royal assent
Dec 8, 2016

Vote Summary

No published recorded division

This bill does not have a published recorded division in the current official sources, so representative-by-representative vote counts are not shown.

Sponsor
Arthur Potts
Sponsor party or district not listed
Jurisdiction
Ontario Legislature

No published representative vote breakdown

The current official sources do not publish a recorded division breakdown for this bill, so there is no representative-by-representative table to show.

Official sources

Status, sponsor, votes, and timeline on this page are drawn from these official legislative sources and public records. Each summary above is attributed to its own source.

How this data is sourced