1 (1) In this Act, “consumer” means a natural person but does not include a person engaging in a transaction, other than relating to employment, in the course of carrying on a business, trade or profession; (“consommateur”) “consumer report” means a written, oral or other communication by a consumer reporting agency of credit information or personal information, or both, pertaining to a consumer for consideration in connection with a purpose set out in clause 8 (1) (d); (“rapport sur le consommateur”) “consumer reporting agency” means a person who for gain or profit or on a regular co-operative non-profit basis furnishes consumer reports; (“agence de renseignements sur le consommateur”) Note: On a day to be named by proclamation of the Lieutenant Governor, subsection 1 (1) of the Act is amended by adding the following definition: (See: 2018, c. 7, s. 2) “consumer score” means a consumer score as defined in the regulations, or if consumer score is not defined in the regulations, a score, grade or value assigned to a consumer that is generated from information about the consumer maintained by a consumer reporting agency; (“pointage du consommateur”) Note: On the day section 2 of the Access to Consumer Credit Reports and Elevator Availability Act, 2018 comes into force, the definition of “consumer score” in subsection 1 (1) of the Act is amended by striking out “a consumer score as defined in the regulations, or if consumer score is not defined in the regulations”.
(See: 2023, c. 23, Sched. 2, s. 1 (1)) “credit information” means information about a consumer as to name, age, occupation, place of residence, previous places of residence, marital status, spouse’s name and age, number of dependants, particulars of education or professional qualifications, places of employment, previous places of employment, estimated income, paying habits, outstanding debt obligations, cost of living obligations and assets; (“renseignements sur la solvabilité”) “Director” means the Director under the Ministry of Consumer and Business Services Act; (“directeur”) “employment purposes” means the purposes of taking into employment, granting promotion, reassigning employment duties or retaining as an employee; (“fins d’emploi”) “file”, when used as a noun, means all of the information pertaining to a consumer that is recorded and retained by a consumer reporting agency, regardless of the manner or form in which the information is stored; (“dossier”) “investigator” means an investigator appointed under subsection 17 (1); (“enquêteur”) “Minister” means the member of the Executive Council to whom the administration of this Act or part of this Act is assigned or transferred under the Executive Council Act; (“ministre”) “person” means a natural person, an association of natural persons, a partnership or a corporation; (“personne”) “personal information” means information other than credit information about a consumer’s character, reputation, health, physical or personal characteristics or mode of living or about any other matter concerning the consumer; (“renseignements personnels”) “personal information investigator” means a person who obtains or reports personal information to a consumer reporting agency for hire or reward; (“enquêteur sur les renseignements personnels”) Note: On a day to be named by proclamation of the Lieutenant Governor, subsection 1 (1) of the Act is amended by adding the following definition: (See: 2018, c. 7, s. 2) “prescribed” means prescribed by the regulations made under this Act; (“prescrit”) “Registrar” means the Registrar of Consumer Reporting Agencies; (“registrateur”) “regulations” means the regulations made under this Act; (“règlements”) “spouse” means, (a)  a spouse as defined in section 1 of the Family Law Act, or (b)  either of two persons who live together in a conjugal relationship outside marriage; (“conjoint”) “Tribunal” means the Licence Appeal Tribunal. (“Tribunal”)  R.S.O. 1990, c. C.33, s. 1 (1); 1999, c. 6, s. 12; 1999, c. 12, Sched. G, s. 20 (1); 2000, c. 26, Sched. B, s. 8 (1); 2001, c. 9, Sched. D, s. 13; 2002, c. 30, Sched. E, s. 5 (1); 2005, c. 5, s. 12; 2006, c. 34, s. 9 (2); 2023, c. 23, Sched. 2, s. 1 (2). Agreements to waive (2) This Act applies despite any agreement or waiver to the contrary.  R.S.O. 1990, c. C.33, s. 1 (2). Section Amendments with date in force (d/m/y) 1999, c. 6, s. 12 (1, 2) - 01/03/2000; 1999, c. 12, Sched. G, s. 20 (1) - 01/04/2000 2000, c. 26, Sched. B, s. 8 (1) - 06/12/2000 2001, c. 9, Sched. D, s. 13 - 29/06/2001 2002, c. 30, Sched. E, s. 5 (1) - 30/07/2005 2005, c. 5, s. 12 (1-3)
- 09/03/2005 2006, c. 34, s. 9 (1, 2)
- 01/04/2007 2018, c. 7, s. 2
- not in force 2023, c. 23, Sched. 2, s. 1 (1) - not in force; 2023, c. 23, Sched. 2, s. 1 (2) - 06/12/2023