GreatNorthCollective/greatnorth-canada-federal-laws-text huggingface dataset:
Disclosure of Charges (Retail Associations) Regulations — 3
Disclosure of increases 3 If a retail association increases a charge applicable to personal deposit accounts with the retail association or introduces a new charge applicable to personal deposit accounts with the retail association, the retail association shall disclose the increase or new charge, as the case may be, to each customer in whose name such an account is kept (a) with respect to a customer to whom a statement of account is provided, by providing a written notice, at least 30 days before the effective date of the increase or new charge, to that customer or, if the customer has instructed the retail association in writing to provide the notice to another person, to that other person; and (b) with respect to a customer to whom a statement of account is not provided, (i) by means of a notice that is displayed, for a period of at least 60 days immediately before the effective date of the increase or new charge, at each branch of the retail association where products or services are offered, at each of the retail association’s points of service, at each controlled access automated teller machine on which the name of the retail association or information identifying the machine with the retail association is displayed and on the retail association’s websites through which products or services are offered in Canada, and (ii) by means of a notice, electronic or otherwise, advising customers of the increase or new charge and the manner in which further details can be obtained, which notice shall be provided, for a period of at least 60 days immediately before the effective date of the increase or new charge, at all automated teller machines, other than controlled access automated teller machines, on which the name of the retail association or information identifying the machine with the retail association is displayed. SOR/2009-51, s. 3; SOR/2014-273, s. 23(F)
Disclosure of Charges (Retail Associations) Regulations — 4
Manner of disclosure 4 (1) A retail association shall disclose to its customers and to the public all charges applicable to any of the following services provided by the retail association in respect of deposit accounts with the retail association, other than personal deposit accounts, by means of a written statement, copies of which shall be displayed and made available to customers and to the public at each branch of the retail association at which deposit accounts are kept, at each of the retail association’s points of service and on the retail association’s websites through which products or services are offered in Canada: (a) the acceptance of deposits; (b) the acceptance of coins, cheques or Bank of Canada notes for deposit; (c) the issuance of cheques; (d) the certification of cheques; (e) the handling of a cheque presented by a customer that is subsequently returned because there are not sufficient funds; (f) the holding of cheques for deposit; (g) the handling of cheques drawn in the currency of the United States; (h) the processing of a stop payment on a cheque; (i) the handling of a cheque issued by a customer that is subsequently returned because there are not sufficient funds; (j) the supply of coins and Bank of Canada notes; (k) the handling of overdrafts; (l) transfers between accounts; (m) the supply of account statements; (n) the handling of account confirmations; (o) the conducting of searches related to an account; (p) the provision of information in regard to an account balance; (q) the closing of an account; and (r) the handling of unclaimed balances in inactive accounts. Contents of statement (2) The written statement referred to in subsection (1) shall indicate that it (a) sets out all charges applicable to services provided by the retail association in respect of deposit accounts with the retail association other than personal deposit accounts; or (b) does not set out all of the charges referred to in paragraph (a) and set out the manner in which information regarding charges not included in the statement can be obtained. SOR/2009-51, s. 4
Disclosure of Charges (Retail Associations) Regulations — 5
Disclosure of increases 5 If a retail association increases a charge applicable to a service referred to in subsection 4(1), the retail association shall disclose the increase (a) with respect to a customer to whom a statement of account is provided, by providing a written notice, at least 30 days before the effective date of the increase, to each customer in whose name the account is kept or, if the customer has instructed the retail association in writing to provide the notice to another person, to that other person; and (b) with respect to customers to whom a statement of account is not provided, by means of a notice that is displayed for a period of at least 60 days immediately before the effective date of the increase at each branch of the retail association where products or services are offered, at each of the retail association’s points of service and on the retail association’s websites through which products or services are offered in Canada. SOR/2009-51, s. 5; SOR/2014-273, s. 24(F)
Disclosure of Charges (Retail Associations) Regulations — 6
Non-application 6 Section 5 does not apply in respect of a customer who has agreed in writing that the retail association will charge an amount other than an amount required to be disclosed pursuant to subsection 4(1). SOR/2009-51, s. 6(F)
Disclosure of Charges (Retail Associations) Regulations — 7
List of charges 7 (1) A retail association shall maintain, at each of its branches where products or services are offered, at each of its points of service and on its websites through which products or services are offered in Canada, a list of the charges applicable to deposit accounts with the retail association and the usual amount charged by the retail association for services normally provided by the retail association to its customers and to the public. Access to list (2) A retail association shall, on request, make the list available to its customers and to the public for inspection during business hours at each branch and point of service referred to in subsection (1). SOR/2009-51, s. 7
Disclosure of Charges (Retail Associations) Regulations — 8
Coming into force 8 These Regulations come into force on the day on which they are registered.
Disclosure of Interest (Retail Associations) Regulations — a
Her Excellency the Governor General in Council, on the recommendation of the Minister of Finance, pursuant to section 385.09 a , subsection 385.1(6) a and sections 385.28 a and 463 b of the Cooperative Credit Associations Act c , hereby makes the annexed Disclosure of Interest (Retail Associations) Regulations . a S.C. 2001, c. 9, s. 313 b S.C. 2001, c. 9, s. 339 c S.C. 1991, c. 48
Disclosure of Interest (Retail Associations) Regulations — 1
Definitions 1 The following definitions apply in these Regulations. Act means the Cooperative Credit Associations Act . ( Loi ) deposit account means an interest-bearing deposit account. ( compte de dépôt ) point of service means a physical location to which the public has access and at which a retail association carries on business with the public and opens or initiates the opening of deposit accounts through natural persons in Canada. ( point de service ) SOR/2009-46, s. 1
Disclosure of Interest (Retail Associations) Regulations — Disclosure of Interest (Retail Associations) Regulations
Act means the Cooperative Credit Associations Act . ( Loi )
Disclosure of Interest (Retail Associations) Regulations — Disclosure of Interest (Retail Associations) Regulations
deposit account means an interest-bearing deposit account. ( compte de dépôt )
Disclosure of Interest (Retail Associations) Regulations — Disclosure of Interest (Retail Associations) Regulations
point of service means a physical location to which the public has access and at which a retail association carries on business with the public and opens or initiates the opening of deposit accounts through natural persons in Canada. ( point de service )
Disclosure of Interest (Retail Associations) Regulations — 2
Manner of disclosure 2 (1) Subject to subsection (2), a retail association shall disclose to a person who requests the retail association to open a deposit account the rate of interest applicable to the deposit account and how the amount of interest to be paid is to be calculated (a) if a statement of account is provided in respect of the deposit account, by means of a written statement delivered to that person, at or before the time the deposit account is opened; or (b) if no statement of account is provided in respect of the deposit account, by means of (i) a written statement, copies of which are available and displayed in each branch of the retail association where deposit accounts are kept, or (ii) a general notice that is displayed in each of the retail association’s branches where deposit accounts are kept, at each of the retail association’s points of service and on the retail association’s websites through which it offers deposit accounts in Canada. Opening of account on telephone request (2) In the case of the opening of a deposit account on a telephone request as contemplated by subsection 385.1(3) of the Act, a retail association shall, not later than seven business days after the account is opened, provide to the customer a written statement that sets out the rate of interest applicable to the account and how the amount of interest to be paid is to be calculated. Required contents (3) A written statement and a general notice referred to in subsection (1) or a written statement referred to in subsection (2) shall include (a) the annual rate of interest; (b) the frequency of payment of interest; (c) the manner, if any, in which the balance in the deposit account affects the rate of interest; and (d) any other circumstance that affects the rate of interest. Presumption (4) A written statement referred to in subsection (2) that is sent to a customer by mail is deemed to be provided to the customer on the fifth day after the postmark date on the statement. SOR/2009-46, s. 2
Disclosure of Interest (Retail Associations) Regulations — 3
Disclosure of changes 3 A retail association shall disclose any change in the rate of interest applicable to a deposit account or any change in the manner of calculating the amount of interest applicable to the deposit account, by means of (a) a written statement delivered to the person in whose name the account is kept; (b) a written statement copies of which are available and displayed in each branch of the retail association where deposit accounts are kept; or (c) a general notice that is displayed in each of the retail association’s branches where deposit accounts are kept, at each of the retail association’s points of service and on the retail association’s websites through which it offers deposit accounts in Canada. SOR/2009-46, s. 3
Disclosure of Interest (Retail Associations) Regulations — 5
Manner of disclosure 5 A retail association shall, in all advertisements referred to in section 385.08 of the Act, disclose how the amount of interest is to be calculated by means of a statement in the advertisement that clearly sets out (a) in respect of interest-bearing deposits, the manner, if any, in which the balance of a deposit account will affect the rate of interest; and (b) all other circumstances that will affect the rate of interest.
Disclosure of Interest (Retail Associations) Regulations — 6
Coming into force 6 These Regulations come into force on the day on which they are registered.
Disclosure on Account Opening by Telephone Request (Retail Associations) Regulations — a
Her Excellency the Governor General in Council, on the recommendation of the Minister of Finance, pursuant to section 385.09 a , subsection 385.1(6) a and sections 385.28 a and 463 b of the Cooperative Credit Associations Act c , hereby makes the annexed Disclosure on Account Opening by Telephone Request (Retail Associations) Regulations . a S.C. 2001, c. 9, s. 313 b S.C. 2001, c. 9, s. 339 c S.C. 1991, c. 48
Disclosure on Account Opening by Telephone Request (Retail Associations) Regulations — 1
Meaning of Act 1 In these Regulations, Act means the Cooperative Credit Associations Act .
Disclosure on Account Opening by Telephone Request (Retail Associations) Regulations — 2
Information to be provided orally 2 (1) For the purpose of subsection 385.1(3) of the Act, the following information is prescribed as the information to be provided to the customer orally: (a) the fact that the customer is receiving by telephone only part of the information relating to the deposit account charges and terms and that full disclosure in writing will be provided within seven business days after the account is opened; (b) the fact that the customer may, within 14 business days after the deposit account has been opened, close the account without charge and, in such a case, is entitled to a refund of any charges related to the operation of the account, other than interest charges, incurred while the account was open; (c) for a fixed-rate interest-bearing deposit account, the interest rate applicable to the account and how the amount of interest to be paid is to be calculated; (d) for a variable-rate interest-bearing deposit account, the current interest rate, the manner by which the rate and amount of interest to be paid is to be calculated, and how, in the future, the customer may obtain information on the interest rate applicable to the account; (e) for a deposit account in a currency other than Canadian currency, the fact that any deposit to the account will not be insured by the Canada Deposit Insurance Corporation; (f) for a deposit account that does not have a fixed monthly charge for a service package, the applicable charges for monthly statements of account, passbook updates, cash withdrawals, cheque withdrawals, debit payment purchases, preauthorized debits, bill payments, transfers between accounts and, if cheques are offered to the customer at the time the account is opened, cheque orders; and (g) for a deposit account that has a fixed monthly charge for a service package, (i) the principal features of the package, including the monthly charge, the number and type of permitted transactions per billing cycle, and (ii) the applicable charges for additional transactions described in paragraph (f). Generic terms permitted (2) A retail association may, for the purpose of providing the information required under paragraphs (1)(f) and (g), group similar types of transactions for which the retail association charges the same amount under a generic term.
Disclosure on Account Opening by Telephone Request (Retail Associations) Regulations — 3
Deemed time of disclosure 3 For the purpose of subsection 385.1(4) of the Act, if a retail association sends the agreement and information referred to in subsection 385.1(1) of the Act to a customer by mail, they are deemed to have been provided by the retail association to the customer on the fifth day after the post mark date on the agreement and information. SOR/2009-56, s. 1
Disclosure on Account Opening by Telephone Request (Retail Associations) Regulations — 4
Coming into force 4 These Regulations come into force on the day on which they are registered.
Consular Fees (Specialized Services) Regulations — a
Her Excellency the Governor General in Council, on the recommendation of the Minister of Foreign Affairs and the Treasury Board, pursuant to paragraph 19(1)(a) a of the Financial Administration Act , hereby makes the annexed Consular Fees (Specialized Services) Regulations . a S.C. 1991, c. 24, s. 6
Consular Fees (Specialized Services) Regulations — 1
1 In these Regulations, locally engaged employee has the same meaning as the definition employee in section 2 of the Locally-Engaged Staff Employment Regulations .
Consular Fees (Specialized Services) Regulations — 2
2 Subject to section 4, the fee to be paid for a specialized service set out in column 1 of the schedule that is provided at a mission or outside a mission by a consular officer or locally engaged employee is the fee set out in column 2. SOR/2010-122, s. 1
Consular Fees (Specialized Services) Regulations — 4
4 No fee is payable in respect of a specialized service that is provided (a) to a person who is destitute or to whom overriding humanitarian or compassionate considerations apply; (b) to a person who is a Canadian or foreign official, if the service is requested in their official capacity; (c) for a naval vessel or service aircraft of a Commonwealth country; (d) for the purposes of the Citizenship Act ; or (e) for the purpose of the payment of any remuneration, pension or allowance by the Government of Canada or the government of a province, or for the purposes of any other official business of those governments.
Consular Fees (Specialized Services) Regulations — 6
6 These Regulations come into force on the day on which they are registered.
Consular Fees (Specialized Services) Regulations — (b)
(b) 200 words or more and less than 500 words
Consular Fees (Specialized Services) Regulations — (c)
(c) 500 words or more and less than 1,000 words
Consular Fees (Specialized Services) Regulations — (a)
(a) by word processing, for 100 words or less
Consular Fees (Specialized Services) Regulations — (b)
(b) CAN$500 or more and less than CAN$3,000
Consular Fees (Specialized Services) Regulations — (a)
(a) for services of a consular officer acting as a Commissioner, within the consular premises
Consular Fees (Specialized Services) Regulations — (b)
(b) for sending a notice to appear, in the language of the country concerned
Consular Fees (Specialized Services) Regulations — (c)
(c) for the swearing of witnesses, court stenographers, translators, legal counsel or any other person
Consular Fees (Specialized Services) Regulations — (d)
(d) for certifying a transcript as correct, including uniting documents and sealing their fastening
Consular Fees (Specialized Services) Regulations — (e)
(e) for the services of an employee of the mission as an interpreter
Consular Fees (Specialized Services) Regulations — (f)
(f) for the services of a stenographer or typist supplied by the mission
Consular Fees (Specialized Services) Regulations — (c)
(c) 500 words or more and less than 1,000 words
Insurance Business (Cooperative Credit Associations) Regulations — a
Her Excellency the Governor General in Council, on the recommendation of the Minister of Finance, pursuant to section 381 of the Cooperative Credit Associations Act a , hereby makes the annexed Insurance Business (Cooperative Credit Associations) Regulations . a S.C. 1991, c. 48
Insurance Business (Cooperative Credit Associations) Regulations — 1
tated by an accident that occurs during the trip, or (v) in the event that the person dies during the trip, against expenses incurred for the return of the person’s remains to the place where the person was ordinarily resident before death, or against travel expenses incurred by a relative of that person who must travel to identify that person’s remains. ( assurance voyage ) (2) For the purposes of these Regulations, the following bodies corporate are part of the cooperative credit system: (a) an association; (b) a local cooperative credit society; (c) a body corporate in which an association or a local cooperative credit society has a substantial investment and which is primarily engaged in the business of providing financial services; (d) a body corporate that is primarily engaged in providing financial services and in which two or more associations or local cooperative credit societies hold, in aggregate, sufficient voting rights which, if exercised, would constitute control of the body corporate within the meaning of paragraph 3(1)(a) of the Act; and (e) a cooperative corporation, the membership of which is primarily composed of associations, central cooperative credit societies or local cooperative credit societies, and which is primarily engaged in the business of providing financial services. (3) For the purposes of these Regulations, a web page is not an association web page by reason only that the web page provides access to an association web page or promotes the business of an association in Canada. SOR/2011-185, s. 1
Insurance Business (Cooperative Credit Associations) Regulations — Insurance Business (Cooperative Credit Associations) Regulations
Act means the Cooperative Credit Associations Act . ( Loi )
Insurance Business (Cooperative Credit Associations) Regulations — Insurance Business (Cooperative Credit Associations) Regulations
association web page means a web page that an association uses in relation to its business in Canada, including any information provided by the association that is accessible on a telecommunications device. It does not include a web page that is only accessible by employees or agents of the association. ( page Web d’association )
Insurance Business (Cooperative Credit Associations) Regulations — (a)
authorized type of insurance means (a) credit or charge card-related insurance, (b) creditors’ disability insurance, (c) creditors’ life insurance, (d) creditors’ loss of employment insurance, (e) creditors’ vehicle inventory insurance, (f) export credit insurance, (g) mortgage insurance, or (h) travel insurance. ( assurance autorisée )
Insurance Business (Cooperative Credit Associations) Regulations — (a)
credit or charge card-related insurance means a policy of an insurance company that provides insurance to a holder of a credit or charge card issued by a body corporate that is part of the cooperative credit system as a feature of the card, without request and without an individual assessment of risk, (a) against loss of, or damage to, goods purchased with the card, (b) under which the insurance company undertakes to extend a warranty provided by the manufacturer of goods purchased with the card, or (c) against any loss arising from a contractual liability assumed by the card holder when renting a vehicle, where the rental is paid for with the card. ( assurance carte de crédit ou de paiement )
Insurance Business (Cooperative Credit Associations) Regulations — (a)
creditors’ disability insurance means a group insurance policy that will pay to a body corporate that is part of the cooperative credit system, all or part of the amount of a debt of a debtor to the body corporate in the event of bodily injury to, or an illness or disability of, (a) where the debtor is a natural person, the debtor or the spouse or common law partner of the debtor; (b) a natural person who is a guarantor of all or part of the debt; (c) where the debtor is a body corporate, a director or an officer of the body corporate; or (d) where the debtor is an entity, any natural person who is essential to the ability of the debtor to meet the debtor’s financial obligations to the body corporate that is part of the cooperative credit system. ( assurance-invalidité de crédit )
Insurance Business (Cooperative Credit Associations) Regulations — (a)
creditors’ life insurance means a group insurance policy that will pay to a body corporate that is part of the cooperative credit system, all or part of the amount of a debt of a debtor to the body corporate, or where the debt is in respect of a small business or a farm, fishery or ranch, all or part of the amount of the credit limit of a line of credit, in the event of the death of (a) where the debtor is a natural person, the debtor or the spouse or common-law partner of the debtor; (b) a natural person who is a guarantor of all or part of the debt; (c) where the debtor is a body corporate, a director or an officer of the body corporate; or (d) where the debtor is an entity, any natural person who is essential to the ability of the debtor to meet the debtor’s financial obligations to the body corporate that is part of the cooperative credit system. ( assurance-vie de crédit )