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Canadian Banking Laws

 

Canadian Banking Laws

The law of Banking applies to financial institutions and consumers of debt financing.

Clients are typically:

  • domestic and foreign banks,
  • bank holding companies,
  • leasing companies,
  • finance companies,
  • other financial institutions,
  • corporate,
  • government,
  • institutional,
  • individual and financial,
  • trustees in bankruptcy,
  • receivers,
  • borrowers when dealing with lenders or credit granters.

Canadian Banking Laws - What Banking Law Encompasses

  • incorporation of banks;
  • all manner of corporate and private lending,
  • financing and refinancing;
  • cross-border and international banking transactions;
  • financial leasing;
  • loans;
  • electronic banking,
  • regulatory and corporate governance,
  • commercial and real estate lending,
  • consumer lending,
  • agricultural lending,
  • construction financing,
  • inventory financing by suppliers,
  • securitization transactions,
  • lending to aboriginal groups,
  • security documentation and registrations,
  • mortgage foreclosure,
  • debt and loan restructuring and work outs,
  • loan recovery and enforcement.,
  • loan security,
  • insolvency.

In Canada, the federal government has the exclusive constitutional power to legislate with respect to banks.

Canadian Banking Laws - Personal Property Security Acts

Personal Property Security Acts (PPSA) are registries set up in certain provinces (Ontario, New Brunswick, Nova Scotia, Saskatchewan, British Columbia, Newfoundland, Northwest Territories, Manitoba and Yukon), at which secured creditors register the security interest the have in assets of the company or person they lent money to.

Registration serves as a public notice that the interest exists against the collateral.

PPSA's do not provide for registration of all secured assets. For example, the BC registry does not accept builders or warehousemen liens, judgments, real property mortgages, or motor vehicle ownership.

Federal PPSA

BC PPSA

Manitoba Personal Property Registry

NB Personal Property Registry

Newfoundland PPSA

NS Personal Property Registry

Northwest Territories PPSA

Ontario Personal Property Registry

Ontario PPSA

Saskatchewan PPSA

Canadian Banking Laws - Links to more Information


Have a question or complaint?


Call 1-866-461-3222 or e-mail the Financial Consumer Agency of Canada If you believe that a financial institution has breached a consumer law.

Bank Act

 

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