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Business Practices and Consumer Protection Act

[SBC 2004] CHAPTER 2

Assented to March 31, 2004

Contents
Part 1 — Definitions and Application
 1 Definitions
 2 Application of this Act
 3 Waiver or release void except as permitted
Part 2 — Unfair Practices
 Division 1 — Deceptive Acts or Practices
 4 Deceptive acts or practices
 5 Prohibition and burden of proof
 6 Advertising
 Division 2 — Unconscionable Acts or Practices
 7 Application of this Division
 8 Unconscionable acts or practices
 9 Prohibition and burden of proof
 10 Remedy for an unconscionable act or practice
 Division 3 — Unsolicited Goods or Services
 11 Definition and interpretation
 12 Unsolicited goods or services
 13 Material change resulting in unsolicited goods or services
 14 Consumer's remedy if unsolicited goods or services
Part 3 — Rights of Assignees and Guarantors Respecting Consumer Credit
 15 Assignee's obligations
 16 Guarantor has same rights as consumer
Part 4 — Consumer Contracts
 Division 1 — Definitions and Application
 17 Definitions
 18 Application
 Division 2 — Direct Sales, Future Performance and Time Share Contracts
 19 Required contents
 20 Direct sales contracts
 21 Direct sales contract — cancellation
 22 Credit agreement respecting direct sales contract
 23 Future performance contract
 24 Continuing services contract — terms
 25 Continuing services contract — cancellation
 26 Time share contract
 27 Refunds by supplier on cancellation
 28 Return of goods by consumer on cancellation
 Division 3 — Preneed Cemetery or Funeral Services, Funeral and Interment Right Contracts
 29 Definition
 30 Prohibition on solicitation
 31 Requirement for schedule of rates
 32 Requirement to give accurate information
 33 Prohibited charges respecting containers
 34 Funeral contract
 35 Preneed cemetery or funeral services contract —initial disclosure statement
 36 Preneed cemetery or funeral services contract
 37 Special provisions for right of interment
 38 Preneed cemetery or funeral services contracts — refunds on cancellation
 39 Preneed cemetery or funeral services contract — failure to provide services
 40 Money received under contract to be held in trust
 41 Funds exempt from seizure
 42 Restrictions on representations respecting right of interment
 43 Interment right contract
 44 Rights not held by interment right holder
 45 Refunds by supplier on cancellation
 Division 4 — Distance Sales Contracts
 46 Disclosure of information
 47 Distance sales contract in electronic form
 48 Copy of distance sales contract
 49 Cancellation of distance sales contract
 50 Refunds by supplier on cancellation
 51 Return of goods by consumer on cancellation
 52 Consumer's recourse regarding credit card charges
 Division 5 — General
 53 When goods and services supplied
 54 How to give notice of cancellation
 55 Recovery of refund
 56 Cancellation of preauthorized payments
Part 4.1 — Prepaid Purchase Cards
 56.1 Definitions
 56.2 No expiry date
 56.3 Fees prohibited except as permitted by regulation
 56.4 Information to be provided
 56.5 Regulations respecting prepaid purchase cards
Part 5 — Disclosure of the Cost of Consumer Credit
 Division 1 — Definitions and Application
 57 Definitions
 58 Application of this Part
 Division 2 — Advertising
 59 Disclosure in advertisements
 60 Advertising requirements applicable to fixed credit
 61 Advertising requirements applicable to open credit
 62 Advertising interest-free periods
 63 Advertising requirements applicable to leases
 64 Advertising a representative transaction
 Division 3 — Disclosure Requirements Applicable to All Credit Agreements
 65 Definitions
 66 Disclosure statements must be given
 67 Form of disclosure statements and statements of account
 68 Giving of documents if multiple borrowers
 69 Estimates and assumptions
 70 Inconsistency between disclosure statement and credit agreement
 Division 4 — Rights and Obligations of Borrowers and Credit Grantors
 71 Borrowers may choose insurer
 72 Borrowers entitled to mortgage discharge
 73 Borrowers may cancel optional services
 74 Prepayment of credit
 75 Default charges
 76 Invitation to defer payment
 77 Acceleration clauses
 Division 5 — Credit Arranged by Loan Brokers
 78 Definition
 79 Non-business credit grantors
 80 Business credit grantors
 Division 6 — Disclosure Required in Relation to Fixed Credit
 81 Definition
 82 Application of this Division
 83 Credit sales
 84 Initial disclosure statements for fixed credit
 85 Disclosure regarding changes in interest rate
 86 Disclosure regarding increases in outstanding principal
 87 Disclosure regarding amendments
 88 Disclosure regarding renewals
 89 Disclosure regarding mortgage loan renewals
 Division 7 — Disclosure Required in Relation to Open Credit
 90 Application of this Division
 91 Initial disclosure statements for open credit
 92 Statements of account
 93 Description of transactions, charges, payments or credits
 Division 8 — Credit Cards
 94 Definitions
 95 Application of this Division
 96 Credit cards may be issued only on application
 97 Applications for credit cards
 98 Additional disclosure for credit cards
 99 Limitation of cardholder's liability
 Division 9 — Leases of Goods
 100 Definitions
 101 Disclosure required in relation to leases
 102 Maximum liability under residual obligation leases
 Division 10 — General
 103 Definitions
 104 Refund of overpayment
 105 Credit grantor must compensate borrower for contravention
Part 6 — Credit Reporting
 106 Definitions
 107 Consent for report
 108 To whom reports may be given
 109 Contents of reports
 110 Notice of denial of benefit or increase of cost of benefit
 111 Explanation
 112 False or misleading information
Part 6.1 — Payday Loans
 112.01 Definitions
 112.02 Limits on total cost of borrowing — payday loans
 112.03 Prohibitions respecting interest charges
 112.04 Fees, penalties and charges prohibited unless allowed by regulation
 112.05 Payday loan cancellation rights
 112.06 Payday loan agreements: required terms and disclosure statements
 112.07 Application of payments, entitlement to prepay loan and receipts for payments
 112.08 Other prohibited payday lender practices
 112.09 Payout of balances on cash cards
 112.10 Remedies
 112.11 Application of Part 6.1 to savings institutions
Part 7 — Debt Collection
 Division 1 — Prohibited Debt Collection Practices
 113 Definition
 114 Harassment
 115 Disclosure to debtor
 116 Communication with debtor
 117 Communication with persons other than debtor
 118 Time of communication
 119 Cost of communication
 120 Collection from person not liable for debt or in excess of amount of debt
 121 Legal proceedings
 122 Removal, seizure, repossession and distress
 123 False or misleading information and misrepresentations
 124 Additional prohibited practices
 Division 2 — Collection Agents and Debt Poolers
 125 Definitions
 126 Accounting for and payment of money collected
 127 Debt pooling
 128 Collection agent and bailiff fees and disbursements
Part 8 — Compensation Funds and Consumer Advancement Fund
 Division 1 — Compensation Funds
 129 Definition
 130 Establishment and continuation of compensation funds
 131 Payments to compensation fund
 132 Claims against compensation fund
 133 Payments from compensation fund
 134 Assignment of rights
 135 Claimant must repay compensation fund for money received from another source
 136 Contributor must repay compensation fund for claims caused by contributor
 137 Powers and duties of director
 138 If administrative authority is director
 Division 2 — Consumer Advancement Fund
 139 Establishment of Consumer Advancement Fund
 140 Payments from Consumer Advancement Fund
 141 If administrative authority is director
Part 9 — Licences
 142 Definition
 142.1 Designated activities
 143 Licence required
 144 Application for licence
 145 Licences
 146 Actions by director respecting licence
 147 Opportunity to be heard and reconsideration
 148 Trust account required by licensee
Part 10 — Inspections and Enforcement
 Division 1 — Inspections
 149 Inspections
 150 Inspection powers
 151 Inspection powers — additional powers of director
 152 Inspection under warrant
 153 Records or things retained
 Division 2 — Undertakings, Compliance Orders and Direct Sales Prohibition Orders
 154 Undertakings
 155 Compliance orders
 156 Direct sales prohibition orders
 157 Filing undertakings or orders in Supreme Court
 Division 3 — Appointment of Receivers and Property Freezing Orders
 158 Receivers and trustees
 159 Order to freeze property
 160 Payment into court
 161 Notice filed in land title office
 162 Application to court respecting property freezing order or filed notice
 163 Application to court for disposition of property frozen
 Division 4 — Administrative Penalties
 164 Administrative penalties
 165 Amount of penalty
 166 Notice of penalty
 167 Due date of penalty
 168 Enforcement of administrative penalty
 169 Revenue from administrative penalties
 170 Limitation period
 Division 5 — Court Proceedings
 171 Damages recoverable
 172 Court actions respecting consumer transactions
 173 Notice to director
Part 11 — Administration
 174 Definition
 175 Director
 176 Inspector
 177 Administrative agreement with administrative authority required
 178 Designation does not make administrative authority an agent of the government
 179 Power of administrative authority to set fees
Part 12 — General
 Division 1 — Reconsiderations
 180 Definition
 181 Reconsideration by director
 182 Powers of director on reconsideration
 Division 2 — How to Give or Serve Documents
 183 How to give or serve documents generally
 184 When documents are considered to have been received
 Division 3 — Disclosure of Information and Evidence in Proceedings
 185 Confidentiality
 186 Publication by director
 187 Admissibility of parole evidence
 188 Certificate as proof of ministerial consent or appointment
Part 13 — Offences and Penalties
 189 Offences
 190 Penalty
 191 Additional penalty — Consumer Advancement Fund
 192 Compensation to consumer
 193 Limitation period
Part 14 — Regulations
 194 General power to make regulations
 195 Preneed cemetery or funeral services, funeral and interment right contracts
 196 Disclosure of the cost of consumer credit
 197 Credit reporting
 197.1 Payday loans
 198 Compensation funds
 199 Licences
 200 Administrative penalties
 201 Authority in relation to regulations
Part 15 — Transitional Provisions, Repeals and Consequential Amendments
 202 Definitions
 203 Transitional — contracts
 203.01 Transitional — prepaid purchase cards
 203.1 Repealed
 204 Transitional — exemption from section 40 for Gardens of Gethsemani
 205 Transitional — trust accounts
 206 Transitional — claims under the Travel Assurance Fund
 207 Transitional for Part 5 — disclosure of the cost of consumer credit
 208 Transitional — licences issued under the former Acts
 209 Transitional — enforcement
 210 Transitional — persons acting under former Acts
 211 Transitional — regulations
 212 Repeals
 213–235 Consequential Amendments
 236–237 Amendments to this Act
 238 Commencement