GreatNorthCollective/greatnorth-canada-federal-laws-text huggingface dataset:
Cost of Borrowing (Trust and Loan Companies) Regulations — 12
t set out in that statement and in each subsequent supplementary disclosure statement will be made on its corresponding due date, (ii) the annual interest rate that applies on the date of the supplementary disclosure statement in respect of purchases of goods or services, or that, based on the information available on that date, is expected to apply in respect of such purchases after a period during which a promotional or special introductory interest rate applies, will be applied to the outstanding balance until it is paid, (iii) the outstanding balance is rounded up to the nearest hundred dollars for the purpose of arriving at that estimate, and, (iv) a year is considered to consist of not less than 360 days and not more than 366 days; and (e) if the annual interest rate that applies on the date of the supplementary disclosure statement, other than a variable interest rate referred to in subparagraph 11(1)(a)(ii) or an interest rate that has been disclosed to a borrower under subsection (3), could increase in the next period, the circumstances that would give rise to that increase and any new rate of interest that would apply in the next period as a result of the increase. (6) For the purpose of paragraph (5)(a), an itemized statement of account is adequate if it permits the borrower to verify each transaction described by linking it with a transaction record provided to the borrower. (7) The estimate referred to in paragraph (5)(d) is not required to be provided if the borrower is required to pay the outstanding balance in full on receiving a statement of account. (8) The supplementary disclosure statement is not required to be provided for a period during which there have been no advances or payments and (a) there is no outstanding balance at the end of the period; or (b) the borrower has notice that their credit agreement has been suspended or cancelled due to default and the company has demanded payment of the outstanding balance. (9) The supplementary disclosure statement may be provided once in a three-month period, either in respect of that period or in respect of the last month of that period, if, during that period, (a) there have been no advances or payments; (b) there is an outstanding balance of less than $10; and (c) no interest or fee is being charged or accrued. SOR/2009-260, ss. 7, 12(F); SOR/2014-273, s. 42(F)
Cost of Borrowing (Trust and Loan Companies) Regulations — 13
13 (1) Subject to subsection (2), if a credit agreement is amended, the company must, not later than 30 days after the day on which the amendment is made, disclose in writing to the borrower any resulting changes to the information that was required to be disclosed in the initial disclosure statement. (2) If a credit agreement for a fixed amount has a schedule for instalment payments and the schedule is amended, the company must, not later than 30 days after the day on which the amendment is made, disclose in writing to the borrower the amended payment schedule and any increase in the total amount to be paid or in the cost of borrowing as a result of that amendment. SOR/2009-260, s. 8
Cost of Borrowing (Trust and Loan Companies) Regulations — 14
14 (1) If a credit agreement for a loan secured by a mortgage or hypothec is to be renewed on a specified date, the company must, at least 21 days before the date, provide the borrower with a subsequent disclosure statement that contains the information required to be disclosed by (a) section 8, if the credit agreement is for a fixed interest rate; or (b) section 9, if the credit agreement is for a variable interest rate. (2) The subsequent disclosure statement referred to in subsection (1) must specify that (a) no change that increases the cost of borrowing will be made to the credit agreement between the transmission of the subsequent disclosure statement and the renewal of the credit agreement; and (b) the borrower’s rights under the credit agreement continue, and the renewal does not take effect, until the day that is the later of the date specified for its renewal and 21 days after the borrower receives the statement. (3) A company that does not intend to renew a credit agreement for a loan secured by a mortgage or hypothec after its term ends shall, at least 21 days before the end of the term, notify the borrower of that intention.
Cost of Borrowing (Trust and Loan Companies) Regulations — 15
15 (1) If a company, under a credit agreement for a loan for a fixed amount, waives a payment without waiving the accrual of interest during the period covered by the payment, the company must, in an offer to make such a waiver, disclose in a prominent manner that interest will continue to accrue during that period if the offer is accepted. (2) If a company offers to waive a payment under a credit agreement for a line of credit or a credit card, the company must, with the offer, disclose in a prominent manner whether interest will continue to accrue during any period covered by the offer if the offer is accepted.
Cost of Borrowing (Trust and Loan Companies) Regulations — 16
16 (1) A disclosure statement made in relation to a credit agreement under which optional services, including insurance services, are provided on an on-going basis must specify that (a) the borrower may cancel the optional service by notifying the company that the service is to be cancelled effective as of the day that is the earlier of one month after the day that the disclosure statement was provided to the borrower, determined in accordance with subsection 6(6), and the last day of a notice period provided for in the credit agreement; and (b) the company shall refund or credit the borrower with the proportional amount, calculated in accordance with the formula set out in subsection (2), of any charges for the service paid for by the borrower or added to the balance of the loan, but unused as of the cancellation day referred to in the notice. (2) The proportion of charges to be refunded or credited to a borrower shall be determined in accordance with the formula R = A x ((n-m)/n) where R is the amount to be refunded or credited; A is the amount of the charges; n is the period between the imposition of the charge and the time when the services were, before the cancellation, scheduled to end; and m is the period between the imposition of the charge and the cancellation. (3) Subsection (1) is subject to any provincial laws that apply to the cancellation of services that are referred to in that subsection. SOR/2020-47, s. 39
Cost of Borrowing (Trust and Loan Companies) Regulations — 17
17 (1) This section applies to loans for fixed amounts of credit, except mortgage or hypothec loans. (2) A borrower under a credit agreement may prepay (a) the outstanding balance of a credit agreement, at any time, without incurring any charge or penalty for making the prepayment; or (b) a part of the outstanding balance (i) on the date of any scheduled payment, if payments are scheduled once a month or more often, or (ii) at any time but only once a month, in any other case. (3) A borrower under a credit agreement who prepays (a) the outstanding balance must be refunded or credited with the proportional amount of any non-interest charges, except for disbursement charges, paid by the borrower or added to that balance, calculated in accordance with the formula set out in subsection (4); and (b) a part of the outstanding balance is not entitled to a refund or credit related to non-interest charges mentioned in paragraph (a). (4) The proportion of non-interest charges to be refunded or credited to a borrower shall be determined in accordance with the formula R = A x ((n-m)/n) where R is the amount to be refunded or credited; A is the amount of the non-interest charges; n is the period between the imposition of the non-interest charge and the scheduled end of the term of the loan; and m is the period between the imposition of the non-interest charge and the prepayment. SOR/2009-260, s. 9(F)
Cost of Borrowing (Trust and Loan Companies) Regulations — 18
18 If a borrower under a credit agreement fails to make a payment when it becomes due or fails to comply with an obligation in the agreement, in addition to interest, the company may impose charges for the sole purpose of recovering the costs reasonably incurred (a) for legal services retained to collect or attempt to collect the payment; (b) in realizing on any security interest taken under the credit agreement or in protecting such a security interest, including the cost of legal services retained for that purpose; or (c) in processing a cheque or other payment instrument that the borrower used to make a payment under the loan but that was dishonoured.
Cost of Borrowing (Trust and Loan Companies) Regulations — 19
19 (1) A company that advertises a loan involving a fixed amount of credit in an advertisement that makes a representation of the interest rate, or the amount of any payment or of any non-interest charge, in relation to the loan must disclose the APR and the term of the loan. The APR must be provided at least as prominently as the representation and in the same manner, whether visually or aurally, or both. (2) If the APR or the term of the loan is not the same for all loans to which the advertisement relates, the disclosure must be based on an example of a loan that fairly depicts all those loans and is identified as a representative example of them.
Cost of Borrowing (Trust and Loan Companies) Regulations — 20
20 A company that advertises a loan involving a line of credit in an advertisement that makes a representation of the annual interest rate, or the amount of any payment or of any non-interest charge, in relation to the loan must disclose the annual rate of interest on the date of the advertisement and any initial or periodic non-interest charges at least as prominently as the representation and in the same manner, whether visually or aurally, or both. SOR/2009-260, s. 10(F)
Cost of Borrowing (Trust and Loan Companies) Regulations — 21
21 A company that advertises a credit card in an advertisement that makes a representation of the annual interest rate, or the amount of any payment or of any non-interest charge, in relation to the loan must disclose the annual rate of interest on the date of the advertisement and any initial or periodic non-interest charges at least as prominently as the representation and in the same manner, whether visually or aurally, or both.
Cost of Borrowing (Trust and Loan Companies) Regulations — 22
22 (1) A company that finances a transaction depicted in an advertisement that involves a representation, express or implied, that a period of a loan is free of any interest charges must ensure that the advertisement discloses in a manner equally as prominent as the representation, if it is expressed, or in a prominent manner otherwise, whether or not interest, due after the period, accrues during the period. (2) If interest does not accrue during the period, the advertisement must also disclose any conditions that apply to the forgiving of the accrued interest and the APR, or the annual interest rate in the case of credit cards or lines of credit, for a period when those conditions are not met.
Cost of Borrowing (Trust and Loan Companies) Regulations — 23
23 These Regulations apply to the renewal or ongoing administration of a credit agreement that was entered into before these Regulations came into force.
Cost of Borrowing (Trust and Loan Companies) Regulations — 25
25 These Regulations come into force on September 1, 2001.
Saskatchewan Uranium Mines and Mills Exclusion Regulations — a
Her Excellency the Governor General in Council, on the recommendation of the Minister of Labour and after consultation with the Canadian Nuclear Safety Commission, pursuant to section 159 a of the Canada Labour Code and section 8.2 b of the Non-smokers’ Health Act c , hereby makes the annexed Saskatchewan Uranium Mines and Mills Exclusion Regulations . a S.C. 1997, c. 9, par. 125(1)(d) b S.C. 1997, c. 9, par. 125(1)(h) c R.S., c. 15 (4th Supp.)
Saskatchewan Uranium Mines and Mills Exclusion Regulations — 1
1 The definitions in this section apply in these Regulations. employment means employment with (a) the holder of a surface lease to mine or process any uranium-bearing material granted pursuant to The Provincial Lands Act , R.S.S. 1978, c. P-31, The Forest Act , R.S.S. 1978, c. F-19, or The Forest Resources Management Act , S.S. 1996, c. F-19.1; or (b) a person who operates a uranium mine or mill that mines or processes uranium-bearing material for or on behalf of a person mentioned in paragraph (a). ( emploi ) uranium mine or mill means a uranium mine or uranium mill in the Province of Saskatchewan that is subject to the Nuclear Safety and Control Act . ( mine d’uranium ou usine de concentration d’uranium )
Saskatchewan Uranium Mines and Mills Exclusion Regulations — (a)
employment means employment with (a) the holder of a surface lease to mine or process any uranium-bearing material granted pursuant to The Provincial Lands Act , R.S.S. 1978, c. P-31, The Forest Act , R.S.S. 1978, c. F-19, or The Forest Resources Management Act , S.S. 1996, c. F-19.1; or (b) a person who operates a uranium mine or mill that mines or processes uranium-bearing material for or on behalf of a person mentioned in paragraph (a). ( emploi )
Saskatchewan Uranium Mines and Mills Exclusion Regulations — Saskatchewan Uranium Mines and Mills Exclusion Regulations
uranium mine or mill means a uranium mine or uranium mill in the Province of Saskatchewan that is subject to the Nuclear Safety and Control Act . ( mine d’uranium ou usine de concentration d’uranium )
Saskatchewan Uranium Mines and Mills Exclusion Regulations — 2
2 Employment on or in connection with a uranium mine or mill is hereby excluded from the application of (a) sections 122 to 158 of the Canada Labour Code ; and (b) the Non-Smokers’ Health Act , except section 8.2.
Saskatchewan Uranium Mines and Mills Exclusion Regulations — 3
3 Subject to section 4, the following acts and regulations, as amended from time to time, apply in relation to employment on or in connection with a uranium mine or mill: (a) The Boiler and Pressure Vessel Act , R.S.S. 1978, c. B-5, except section 39, and the following regulations made under that Act, namely, (i) Regulations Respecting The Design, Construction, Installation and Use of Boilers and Pressure Vessels , SR 262/57, (ii) Regulations Respecting Compressed Gas Pressure Vessels , SR 99/70, (iii) Regulations Respecting Examinations and Certificates of Engineers and Firemen , SR 311/77, and (iv) Regulations Respecting the Welding of Boilers, Pressure Vessels and Pressure Piping , SR 61/78; (b) The Electrical Inspection Act, 1993 , S.S. 1993, c. E-6.3, and the following regulations made under that Act, namely, (i) The Electrical Inspection Regulations , Chapter E-6.3, Reg 1, except sections 19 to 21, (ii) The Use of Electricity in Mines Regulations, 1996 , Chapter E-6.3, Reg 4, (iii) The Canadian Electrical Code (Adoption) Regulations, 1999 , Chapter E-6.3, Reg 5, and (iv) The Canadian Electrical Code (Saskatchewan Amendments) Regulations, 1999 , Chapter E-6.3, Reg 6; (c) The Electrical Licensing Act , S.S. 1988-89, c. E-7.2; (d) The Gas Inspection Act, 1993 , S.S. 1993, c. G-3.2, and The Gas Inspection Regulations , Chapter G-3.2, Reg 1; (e) The Gas Licensing Act , S.S. 1988-89, c. G-4.1, and The Gas Licensing Regulations , Chapter G-4.1, Reg 1, except sections 10, 12 and 13; (f) The Occupational Health and Safety Act, 1993 , S.S. 1993, c. O-1.1, and the following regulations made or continued under that Act, namely, (i) The Occupational Health and Safety Regulations, 1996 , Chapter O-1.1, Reg 1, except section 84 and Parts XXVII, XXIX and XXXI, and (ii) The Mines Regulations , SR 284/78, except Part XXVII; (g) The Passenger and Freight Elevator Act , R.S.S. 1978, c. P-4, and The Passenger and Freight Elevator Regulations, 1982 , Chapter P-4, Reg 1; and (h) The Radiation Health and Safety Act, 1985 , S.S. 1984-85-86, c. R-1.1, except section 18 and subsection 19(1), and The Radiation Health and Safety Regulations , Chapter R-1.1, Reg 1, except subsections 21(6) and (7), sections 24 to 28, 32, and 40 to 46, clause 47(1)(c), sections 48 to 50, subclauses 51(1)(b)(i) and 2(b)(i) and Forms A and B of Part III of the Appendix.
Saskatchewan Uranium Mines and Mills Exclusion Regulations — 4
4 For the purposes of section 3, (a) the reference to “notwithstanding section 29 of The Summary Offences Procedure Act, 1990 ” in clause 59(1)(a) of The Occupational Health and Safety Act, 1993 shall be read as a reference to “notwithstanding subsection 787(2) of the Criminal Code ”; (b) subsection 4(1) of The Boiler and Pressure Vessel Act shall be read as if the reference to “that are subject to the legislative authority of the province” did not appear; (c) a reference to “C.R.C.” wherever it occurs in the Regulations Respecting Compressed Gas Pressure Vessels , SR 99/70, shall be read as a reference to the Canadian Transportation Agency; and (d) section 3 of the Passenger and Freight Elevator Act shall be read as if the reference to “, or subject to, the legislative authority of” did not appear.
Saskatchewan Uranium Mines and Mills Exclusion Regulations — 5
5 In case of an inconsistency between any of the provisions of the Nuclear Safety and Control Act and any regulations made under that Act and the provisions of these Regulations and the provisions of any act or regulation as incorporated into section 3 of these Regulations, the provisions of the Nuclear Safety and Control Act and its regulations prevail to the extent of the inconsistency.
Saskatchewan Uranium Mines and Mills Exclusion Regulations — 7
7 These Regulations come into force on the day on which they are registered.
Agriculture and Agri-Food Administrative Monetary Penalties Regulations Respecting the Pest Control Products Act and Regulations — a
The Minister of Health, pursuant to subsection 4(1) of the Agriculture and Agri-Food Administrative Monetary Penalties Act a and the Order Transferring from the Minister of Agriculture and Agri-Food to the Minister of Health the powers, duties and functions under the Agriculture and Agri-Food Administrative Monetary Penalties Act in relation to the Pest Control Products Act b , hereby makes the annexed Agriculture and Agri-Food Administrative Monetary Penalties Regulations Respecting the Pest Control Products Act and Regulations . a S.C. 1995, c. 40 b SI/2000-94
Agriculture and Agri-Food Administrative Monetary Penalties Regulations Respecting the Pest Control Products Act and Regulations — 1
1 The following definitions apply in these Regulations. Act means the Agriculture and Agri-Food Administrative Monetary Penalties Act . ( Loi ) minor harm means actual or potential harm, the effects of which can be reversed at a cost not exceeding $1,000. ( tort mineur ) serious harm means actual or potential harm which does not constitute minor harm. ( tort grave )
Agriculture and Agri-Food Administrative Monetary Penalties Regulations Respecting the Pest Control Products Act and Regulations — Agriculture and Agri-Food Administrative Monetary Penalties Regulations Respecting the Pest Control Products Act and Regulations
Act means the Agriculture and Agri-Food Administrative Monetary Penalties Act . ( Loi )
Agriculture and Agri-Food Administrative Monetary Penalties Regulations Respecting the Pest Control Products Act and Regulations — Agriculture and Agri-Food Administrative Monetary Penalties Regulations Respecting the Pest Control Products Act and Regulations
minor harm means actual or potential harm, the effects of which can be reversed at a cost not exceeding $1,000. ( tort mineur )
Agriculture and Agri-Food Administrative Monetary Penalties Regulations Respecting the Pest Control Products Act and Regulations — Agriculture and Agri-Food Administrative Monetary Penalties Regulations Respecting the Pest Control Products Act and Regulations
serious harm means actual or potential harm which does not constitute minor harm. ( tort grave )
Agriculture and Agri-Food Administrative Monetary Penalties Regulations Respecting the Pest Control Products Act and Regulations — 2
2 The contravention of any of the following provisions is a violation that may be proceeded with in accordance with the Act: (a) a provision of the Pest Control Products Act that is set out in column 1 of Part 1 of Schedule 1; (b) a provision of the Pest Control Products Regulations that is set out in column 1 of Part 2 of Schedule 1; (c) a provision of the Pest Control Products Sales Information Reporting Regulations that is set out in column 1 of Part 3 of Schedule 1; and (d) a provision of the Pest Control Products Incident Reporting Regulations that is set out in column 1 of Part 4 of Schedule 1. SOR/2010-191, s. 2 SOR/2019-161, s. 1(F)
Agriculture and Agri-Food Administrative Monetary Penalties Regulations Respecting the Pest Control Products Act and Regulations — 3
3 As established by the Minister under paragraph 6(b) of the Act, the short-form description to be used in notices of violation in respect of each violation of a provision that is set out in column 1 of Schedule 1 is set out in column 2.
Agriculture and Agri-Food Administrative Monetary Penalties Regulations Respecting the Pest Control Products Act and Regulations — 4
4 The classification of a violation as a minor violation, serious violation or very serious violation of a provision set out in column 1 of Schedule 1 is as set out in column 3.
Agriculture and Agri-Food Administrative Monetary Penalties Regulations Respecting the Pest Control Products Act and Regulations — 5
5 (1) The amount of the penalty in respect of a violation committed by an individual otherwise than in the course of a business and that is not committed to obtain a financial benefit is (a) $500, for a minor violation; (b) $800, for a serious violation; and (c) $1,300, for a very serious violation. (2) The amount of the penalty in respect of a minor violation committed by a person in the course of a business or in order to obtain a financial benefit is $1,300. (3) The amount of the penalty in respect of a violation committed by a person in the course of a business or in order to obtain a financial benefit is $6,000 for a serious violation and $10,000 for a very serious violation, with adjustments, if any, determined in accordance with column 2 of Schedule 2 for each total gravity value as established in accordance with section 6 and set out in column 1 of that Schedule. SOR/2010-191, s. 3(E); SOR/2018-243, s. 1
Agriculture and Agri-Food Administrative Monetary Penalties Regulations Respecting the Pest Control Products Act and Regulations — 6
6 The total gravity value in respect of each serious violation or very serious violation referred to in subsection 5(3) shall be established by (a) considering the following criteria: (i) the history of the person who committed the violation in respect of prior violations or offences as described in column 2 of Part 1 of Schedule 3, (ii) the degree of intent or negligence on the part of the person who committed the violation as described in column 2 of Part 2 of Schedule 3, and (iii) the harm that was or could be done by the violation as described in column 2 of Part 3 of Schedule 3; (b) ascribing, for each of the criteria referred to in subparagraphs (a)(i) to (iii), the applicable gravity value that is set out in column 1 of Parts 1 to 3 of Schedule 3; and (c) adding the gravity values obtained under paragraph (b). SOR/2010-191, s. 4(F)