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Ontario Enacts Ban on the Expiry of Rewards Points

Posted in Fintech, Regulatory Compliance

On December 6, 2016, Bill 47 – Protecting Rewards Points Act (the “Act”), amending Ontario’s Consumer Protection Act, 2002 (the “CPA”), received Royal Assent.  The Act was first introduced on October 20 as a private member’s bill.

The primary effect – and stated purpose – of the Act is to prohibit the expiry of rewards points under consumer agreement due to the passage of time. Any provision to the contrary in any consumer agreement will be rendered void, with retroactive effect to October 1, 2016, such that all points purporting to expire after October 1, 2016, will need to be … Continue Reading

Mobile Payments 2012

Posted in E-Commerce

On October 25, 2012, McCarthy Tétrault’s national Consumer Retail group held a lunchtime client conference on mobile payment systems and digital wallets. For those of you unable to attend, the following are a few of the highlights.

But first, a little context for the uninitiated:

  • Near-field communication technology (NFC) allows a user with a mobile phone, equipped with the necessary mobile application, to pass card data stored on the phone to the point-of-sale device to complete payment and other transactions.
  • Mobile payments are often grouped into two levels of transaction: convenience vs. high value/risk transactions. Convenience transactions are characterized by
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