Provincial Regulation of Bill Collectors
Each province and territory in Canada has a provincial law dealing with not only licensing of collection agencies but also regulating their conduct.
In some provinces this law is contained in a provincial statute as well as regulation enacted pursuant to that statute.
In most provinces these laws regulate the conduct of collection agencies. In some provinces, however, these rules also apply to debt buyers or firms which have purchased a debt.
Applicable law is the law in the province where you live
You may be getting phone calls from collection agencies which originate in your province, in another province, or sometimes from outside Canada.
Regardless of where these collection calls originate the applicable law governing the conduct of the collector and the collection agency is the law in the province in which you live.
Provincial law governing collection agencies
Alberta Statutue: Fair Trading Act
British Columbia Statute: Business Practices and Consumer Protection Act
Manitoba Statute: The Consumer Protection Act
Newfoundland Statute: Collections Act
Regulation: 986/96 Collections Regulations
New Brunswick Statute: Collection Agencies Act
NWT Statute: Consumer Protection Act
Nova Scotia Statute: Collection Agencies Act
Regulation: NS Reg. 151/76 Collection Agencies Regulations
Nunavut Statute: Consumer Protection Act
Ontario Statute: Collection and Debt Settlement Services Act
Regulation : Regulation 74 General
Quebec Statute: An Act Respecting Collection of Certain Debts
PEI Statute: Collection Agencies Act
Saskatchewan Statute: The Collection Agents Act
Yukon Statute: Consumers Protection Act