GreatNorthCollective/greatnorth-canada-federal-laws-text huggingface dataset:
Apprentice Loans Regulations — (a)
apprentice means (a) other than in section 5, a person who (i) is a Canadian citizen, a person registered as an Indian under the Indian Act , a permanent resident as defined in subsection 2(1) of the Immigration and Refugee Protection Act or a protected person as described in subsection 95(2) of that Act, (ii) is not a high school student, and (iii) is registered with a province as an apprentice in an eligible trade; and (b) in section 5, a person who is described in subparagraphs (a)(i) and (ii) and who is enrolled in a program of study that is mandatory in order to enable the person to register as an apprentice with a province. ( apprenti )
Apprentice Loans Regulations — Apprentice Loans Regulations
apprentice loan means a debt obligation incurred by an eligible apprentice on entering into an apprentice loan agreement that is owed to Her Majesty in right of Canada, as represented by the Minister. ( prêt aux apprentis )
Apprentice Loans Regulations — Apprentice Loans Regulations
borrower means a person to whom an apprentice loan is made under the Act. ( emprunteur )
Apprentice Loans Regulations — Apprentice Loans Regulations
eligible apprentice means an apprentice who is enrolled at a technical training provider for technical training in an eligible trade and whose primary occupation during the technical training period is to participate in that technical training. ( apprenti admissible )
Apprentice Loans Regulations — Apprentice Loans Regulations
severe permanent disability means any impairment, including a physical, mental, intellectual, cognitive, learning, communication or sensory impairment — or a functional limitation — that prevents a person from performing the daily activities necessary to participate in the labour force in a manner that is substantially gainful , as defined in section 68.1 of the Canada Pension Plan Regulations , and is expected to remain with the person for their expected life. ( invalidité grave et permanente )
Apprentice Loans Regulations — Apprentice Loans Regulations
technical training means formal instruction or training that is offered by a technical training provider and that is determined by a province to be an essential element of an apprenticeship program in that province and required for the practice of an eligible trade. ( formation technique )
Apprentice Loans Regulations — Apprentice Loans Regulations
technical training period means a continuous period of technical training that begins on the first day of the month in which technical training begins and ends on the last day of the month in which the training ends. ( période de formation technique )
Apprentice Loans Regulations — Apprentice Loans Regulations
Act means the Apprentice Loans Act . ( Loi )
Apprentice Loans Regulations — Apprentice Loans Regulations
apprentice loan agreement means an agreement entered into between an eligible apprentice and the Minister under section 4 of the Act that is in the form determined by the Minister and includes the social insurance number of the apprentice. ( contrat de prêt aux apprentis )
Apprentice Loans Regulations — Apprentice Loans Regulations
apprenticeship program means a program of practical experience, technical training and certification examination that must be undertaken — as determined by the province — by an apprentice in an eligible trade. ( programme d’apprentissage )
Apprentice Loans Regulations — Apprentice Loans Regulations
common-law partner , in respect of a borrower, means a person who is cohabiting with the borrower in a conjugal relationship, having so cohabited for a period of at least one year. ( conjoint de fait )
Apprentice Loans Regulations — Apprentice Loans Regulations
confirmation of continued apprenticeship means proof that a borrower is still registered with a province as an apprentice in an eligible trade. ( confirmation d’apprentissage continu )
Apprentice Loans Regulations — Apprentice Loans Regulations
confirmation of enrolment means proof that an apprentice is enrolled in technical training with a technical training provider. ( confirmation d’inscription )
Apprentice Loans Regulations — Apprentice Loans Regulations
family income means the aggregate income — including income from employment, social programs, investments and monetary gifts — of the borrower and their spouse or common-law partner, as the case may be. ( revenu familial )
Apprentice Loans Regulations — Apprentice Loans Regulations
financial assistance means any form of financial aid provided under the Act, including apprentice loans. ( aide financière )
Apprentice Loans Regulations — Apprentice Loans Regulations
fiscal year means the one-year period that begins on April 1 in any year. ( exercice )
Apprentice Loans Regulations — Apprentice Loans Regulations
guaranteed student loan has the same meaning as in subsection 2(2) of the Canada Student Financial Assistance Regulations . ( prêt garanti )
Apprentice Loans Regulations — Apprentice Loans Regulations
interest suspension period means the period set out in section 8.2 of the Act. ( période de suspension des intérêts )
Apprentice Loans Regulations — Apprentice Loans Regulations
permanent disability means any impairment, including a physical, mental, intellectual, cognitive, learning, communication or sensory impairment — or a functional limitation — that restricts the ability of a person to perform the daily activities necessary to participate in an apprenticeship program or in the labour force and that is expected to remain with the person for the person’s expected life. ( invalidité permanente )
Apprentice Loans Regulations — Apprentice Loans Regulations
persistent or prolonged disability means any impairment, including a physical, mental, intellectual, cognitive, learning, communication or sensory impairment — or a functional limitation — that restricts the ability of a person to perform the daily activities necessary to participate in an apprenticeship program or in the labour force and has lasted, or is expected to last, for a period of at least 12 months but is not expected to remain with the person for the person’s expected life. ( invalidité persistante ou prolongée )
Apprentice Loans Regulations — Apprentice Loans Regulations
provincial loan has the same meaning as in subsection 2(2) of the Canada Student Financial Assistance Regulations . ( prêt provincial )
Apprentice Loans Regulations — Apprentice Loans Regulations
student loan has the same meaning as in subsection 2(1) of the Canada Student Financial Assistance Regulations . ( prêt d’études )
Apprentice Loans Regulations — 2
Conditions 2 Subject to section 6, the Minister may make an apprentice loan to an eligible apprentice if the following conditions are met: (a) the apprentice has entered into an apprentice loan agreement for a technical training period on or before the last day of technical training; (b) confirmation of enrolment is submitted to the Minister; (c) in the event that interest started accruing prior to the first day of the current technical training period, the apprentice pays to the Minister the unpaid interest accrued under their apprentice loan agreement to the day before the first day of that technical training period; and (d) in the event that interest started accruing prior to the day on which the apprentice enters into an apprentice loan agreement for the current technical training period that began on the day on which interest started accruing, the apprentice (i) pays to the Minister the unpaid interest accrued under their apprentice loan agreement to the day before the day on which the apprentice enters into the current apprentice loan agreement, or (ii) directs the addition of the interest referred to in subparagraph (i) to the outstanding principal. SOR/2019-215, s. 2
Apprentice Loans Regulations — 4.1
New payment-deferred period 4.1 (1) Subject to subsections (4) and (6), if the period during which no amount on account of principal or interest in respect of an apprentice loan is required to be paid ended under paragraph 4(1)(b) because of the occurrence of an event described in paragraph 6(2)(a) or (h), a new period begins when the conditions set out in paragraphs 7(1)(a) and (b) are met. Bankruptcy or insolvency (2) Subject to subsections (4) and (6), if the period during which no amount on account of principal or interest in respect of an apprentice loan is required to be paid ended under paragraph 4(1)(b) because of the occurrence of an event described in any of paragraphs 6(2)(b) to (f), a new period begins when one of the conditions described in any of paragraphs 7(2)(a) to (d) occurs. Offence related to loan (3) Subject to subsections (4) and (6), if the period during which no amount on account of principal or interest in respect of an apprentice loan is required to be paid ended under paragraph 4(1)(b) because of the occurrence of an event described in paragraph 6(2)(g), a new period begins when the conditions set out in paragraphs 7(3)(a) to (d) are met. Borrower who was a minor (4) If the period during which no amount on account of principal or interest in respect of an apprentice loan is required to be paid ended under paragraph 4(1)(b) and the borrower was a minor when they received an apprentice loan and has refused to ratify that loan as an adult, a new period begins when the borrower ratifies that loan and, to the extent that they apply, the conditions set out in subsection (1), (2) or (3) are met. Repayment assistance (5) Subject to subsection (6), if the period during which no amount on account of principal or interest in respect of an apprentice loan is required to be paid ended under paragraph 4(1)(b) because of the occurrence of an event described in paragraph 6(2)(i), the borrower is entitled to a new period during which no amount on account of principal or interest in respect of an apprentice loan is required to be paid when they have paid in full the outstanding balance of their apprentice loans. Judgment (6) If a judgment has been obtained against a borrower, a new period does not begin unless the borrower has been released from that judgment and, to the extent that they apply, the conditions set out in subsection (1), (2) or (3) are met. SOR/2023-273, s. 19
Apprentice Loans Regulations — 5
Amount determined by Minister 5 (1) For the purposes of section 7 of the Act, the special payment amount for a province as determined by the Minister after consultation with the Chief Statistician of Canada is the amount for the fiscal year that is obtained by multiplying the total costs for the fiscal year for provinces where apprentices registered with those provinces are able to enter into apprentice loan agreements for the fiscal year, by the ratio of the estimated number of persons in the province in question who are at least 16 years of age but less than 65, to the estimated number of persons of those ages in provinces where apprentices registered with those provinces are able to enter into apprentice loan agreements. Total costs (2) In this section, total costs for a fiscal year means the amount determined by the formula A + B - C where A is the estimated aggregate of all amounts paid by the Minister in that fiscal year to service providers under the Act and to collection agencies in respect of apprentice loans; B is the estimated aggregate of (a) the amount of interest calculated at the rate of interest referred to in subsection (3) in that fiscal year in respect of outstanding apprentice loans referred to in the description of A made under an apprentice loan agreement, (b) the amount by which the outstanding principal in respect of all apprentice loans referred to in paragraph (a) has been reduced in that fiscal year in accordance with these Regulations, (c) the amount of the outstanding principal and interest in respect of all apprentice loans referred to in paragraph (a) for which the borrower’s obligations have terminated in that fiscal year as a result of the death or severe permanent disability of the borrower, and (d) the amount of the outstanding principal and interest in respect of all apprentice loans referred to in paragraph (a) for which the Minister has commenced collection action in that fiscal year, minus the amount of the outstanding principal and interest in respect of apprentice loans referred to in that paragraph for which the Minister has ended collection action in that fiscal year due to the occurrence of an event described in section 7 that resulted in the removal of restrictions to financial assistance; and C is the estimated aggregate of (a) the amount of interest received by or on behalf of Her Majesty in right of Canada in that fiscal year in respect of apprentice loans, and (b) any amounts received by or on behalf of Her Majesty in right of Canada in that fiscal year pursuant to collection action taken by the Minister in respect of apprentice loans. Rate of interest (3) The rate of interest for the purposes of paragraph (a) of the description of B in subsection (2) is the average percentage yield, during the fiscal year in question, of Benchmark Bonds issued by the Government of Canada maturing in 10 years, as published by the Bank of Canada.
Apprentice Loans Regulations — 6
 effective on the applicable day for that event, deny the borrower a new apprentice loan. Termination of repayment assistance (4) If an event described in paragraph 2(g) or (h) occurs, the Minister must terminate any repayment assistance granted to the borrower under section 10 or 12 and refuse to grant further repayment assistance. Loan received erroneously (5) If an event described in paragraph (2)(a) occurs in respect of an apprentice loan made to a borrower and, subsequent to that event, the borrower erroneously receives an apprentice loan, the borrower is entitled to the apprentice loan. New loan (6) If, before the last day of the apprenticeship program in which the borrower is registered at the time the event occurs, an event described in any of paragraphs (2)(b) to (f) occurs in respect of an apprentice loan made to a borrower, the borrower is entitled, if otherwise eligible, to a new apprentice loan for that apprenticeship program. Subsection (3) measure delayed (7) If the borrower receives a new apprentice loan under subsection (6), the measure referred to in subsection (3) takes effect on the earlier of (a) the last day of the apprenticeship program, and (b) the day that is three years after the applicable day for the event or, if that day falls during a technical training period, the last day of that period. SOR/2019-215, s. 5 SOR/2023-273, s. 20
Apprentice Loans Regulations — 7
(6) If a judgment has been obtained against a borrower, the borrower is not entitled to the rights referred to in subsection (1) unless the borrower has been released from that judgment and, to the extent that they apply, the conditions set out in subsection (1), (2) or (3) are met. SOR/2019-215, s. 6 SOR/2023-273, s. 21
Apprentice Loans Regulations — 8
Maximum amount 8 The maximum amount of an apprentice loan for one technical training period is $4,000.
Apprentice Loans Regulations — 9
Prescribed amount 9 For the purposes of section 11 of the Act, the maximum aggregate amount of apprentice loans outstanding is $1.5 billion.
Apprentice Loans Regulations — 10
Conditions 10 (1) Subject to section 6 of these Regulations and section 15 of the Canada Student Financial Assistance Regulations , the Minister must on application in the form determined by the Minister — including the borrower’s social insurance number — provide the first stage of a repayment assistance plan to a borrower for a period of six months if (a) the borrower resides in Canada; (b) no more than 114 months have passed since the later of the day on which the borrower was most recently required under section 4 to begin to repay the principal amount of any apprentice loan made to them, and any interest — or would have been required to do so but for the interest suspension period — and the day on which a restriction was removed under paragraph 7(1)(b); and (c) the borrower’s monthly affordable payment calculated in accordance with subsection (2) is less than their monthly required payment calculated in accordance with subsection (3). Monthly affordable payment (2) The monthly affordable payment is equal to (a) $0, if the borrower’s monthly family income is no more than the minimum monthly income threshold for their family size determined in accordance with the table set out in Schedule 2; or (b) otherwise, the borrower’s monthly family income multiplied by the lesser of the amounts determined by the following formulae: 0.1A 1.5[ (X – Y) 100Z +0.01]A where A is, in relation to apprentice loans, student loans, guaranteed student loans and provincial loans, the ratio of the borrower’s outstanding principal for which instalments are due to the sum of that amount and the outstanding principal for which instalments are due for any loan of the same type to a spouse or common-law partner of the borrower, X is the borrower’s monthly family income, Y is the monthly income threshold for the borrower’s family size determined in accordance with the table set out in Schedule 2, and Z is the monthly increment for the borrower’s family size determined in accordance with the table set out in Schedule 2. Monthly required payment (3) The monthly required payment is equal to the sum of (a) the outstanding principal of the apprentice loans made to the borrower for which instalments are due, amortized over a period of the greater of (i) six months, and (ii) 114 months minus the number of months that have passed since the applicable day referred to in paragraph (1)(b) plus the number of months since that day during which the borrower received repayment assistance under this section; and (b) the monthly required payment calculated under (i) paragraphs 19(3)(a) and (b) of the Canada Student Financial Assistance Regulations , or (ii) paragraphs 20(3)(a) and (b) of those Regulations. Maximum number of months of repayment assistance (4) A borrower must not receive more than 60 months, in the aggregate, of repayment assistance under this section since the applicable day referred to in paragraph (1)(b). SOR/2019-215, s. 7 SOR/2022-141, s. 7 SOR/2023-273, s. 22
Apprentice Loans Regulations — 11
Payment of federal portion 11 (1) A borrower must, no later than the day that is 30 days after a repayment assistance period ends, pay to the Minister the federal portion of the monthly affordable payments calculated in accordance with subsection 10(2) in respect of that period. (2) [Repealed, SOR/2023-273, s. 23] Definition of federal portion (3) In this section, federal portion means (a) if no instalments are due on account of outstanding principal under provincial loans, 100% of the affordable monthly payment; and (b) otherwise, the ratio of outstanding principal in relation to student loans and guaranteed student loans for which instalments are due to the sum of this amount and the outstanding principal amount of provincial loans for which instalments are due. Attribution of payments (4) Payments made under this section are to be attributed in proportion to the outstanding principal of each apprentice loan, student loan and guaranteed student loan for which instalments are due. SOR/2019-215, s. 8 SOR/2023-273, s. 23
Apprentice Loans Regulations — 13
Payment of federal portion 13 (1) A borrower must, no later than the day that is 30 days after a repayment assistance period ends, pay to the Minister the federal portion of the monthly affordable payments calculated in accordance with subsection 12(2) in respect of that period. Reduction of principal and interest (2) The amount owing as outstanding principal of apprentice loans and interest on those loans for a month during a repayment assistance period by a borrower is reduced by the Minister by the difference between the monthly required payment calculated in accordance with paragraph 12(3)(a) and the portion of the monthly affordable payment attributed to apprentice loans calculated in accordance with subsection (4). That reduction is made only in relation to the months for which the borrower complies with subsection (1). Definition of federal portion (3) In this section, federal portion means (a) if no instalments are due on account of outstanding principal under provincial loans, 100% of the affordable monthly payment; and (b) otherwise, the ratio of outstanding principal in relation to apprentice loans, student loans and guaranteed student loans for which instalments are due to the sum of this amount and the outstanding principal amount of provincial loans for which instalments are due. Attribution of payments (4) Payments made under this section are attributed in proportion to the outstanding principal of each apprentice loan, student loan and guaranteed student loan for which instalments are due.
Apprentice Loans Regulations — 13.1
Annual increases 13.1 (1) Beginning in 2023, the monthly income thresholds set out in column 2 of the table to Schedule 2 are adjusted on August 1st of each year by the annual percentage increase to the Consumer Price Index for the previous calendar year, rounded to the nearest dollar. No adjustment made (2) If the thresholds determined in accordance with subsection (1) are less than those applicable on August 1st of the previous calendar year, no adjustment is to be made and the thresholds applicable on August 1st of the previous calendar year continue to apply. Consumer Price Index (3) For the purpose of subsection (1), the Consumer Price Index is the annual all-items Consumer Price Index for Canada published by Statistics Canada. SOR/2022-141, s. 9
Apprentice Loans Regulations — 14
Beginning of period 14 A repayment assistance period begins no earlier than the later of (a) the first day of the month that is six months before the day on which the borrower applies for the assistance, and (b) the first day of the month on which the borrower must begin to repay the principal amount of any apprentice loan made to them, and any interest, under section 4. SOR/2022-141, s. 10 SOR/2023-273, s. 24
Apprentice Loans Regulations — 15
Unpaid accrued interest 15 If any accrued interest remains unpaid on the day on which a repayment assistance period begins, the borrower must, on or before 30 days after the day on which the repayment assistance period ends, (a) pay the interest to the Minister; or (b) if they have not already done so, enter into a revised apprentice loan agreement for the payment of up to three months of the interest accrued and pay the Minister any remaining interest accrued.
Apprentice Loans Regulations — 16
Conditions 16 (1) The Minister must, on the written request of the borrower and based on documentary evidence provided by the borrower, reconsider a borrower’s application for repayment assistance if (a) the application was rejected for the sole reason that the borrower did not meet the condition set out in paragraph 10(1)(c) or 12(1)(c); and (b) unforeseen and unavoidable circumstances beyond the control of the borrower or their spouse or common-law partner have led to the borrower incurring extraordinary expenses. Notice (2) The Minister must provide notice of his or her determination to the borrower.
Apprentice Loans Regulations — 17
Cancellation or reduction of repayment assistance 17 (1) If repayment assistance is granted based on an error by the borrower in their application for the assistance or for reconsideration, the Minister may cancel the assistance or reduce the amount of assistance. Notice (2) The Minister must provide notice of the cancellation or reduction to the borrower, specifying (a) the date of the notice; and (b) the day on which the repayment assistance is to be cancelled or reduced. Obligation of borrower (3) The borrower must, within 30 days after the date of the notice, (a) repay to the Minister the amount of repayment assistance that the borrower was not entitled to receive; or (b) enter into a revised apprentice loan agreement for repayment of the amount referred to in paragraph (a).