Public Utilities Board – 2013 Review of Maximum Allowable Charges and Fees for Payday Loans
- Apr 18, 2013 Start date
- Closed Status
- None Intervenors
- None Presenters
- None Next hearing
- Application filed Apr 18, 2013 Completed
- Closed Mar 12, 2014 Completed
Off air
The Public Utilities Board's 2013 review of the maximum allowable charges and fees for payday loans: submissions and evidence of the Consumer Protection Office, the Consumers' Association of Canada (Manitoba) and Winnipeg Harvest, the Canadian Payday Loan Association and payday lenders, information requests and hearing exhibits.
Exhibit
| Title | Type | ||
|---|---|---|---|
| PUB-18 – Second Supplement to Fillmore Riley LLP research re Statistics Regarding Payday Lending Regulation and Other Provincial Jurisdictions dated June 25, 2013 | Jun 25, 2013 | Exhibit | |
| PUB-17 – First Supplement to Fillmore Riley LLP research report: Statistics Regarding Payday Lending Regulation and Other Provincial Jurisdictions dated June 21, 2013 | Jun 21, 2013 | Exhibit | |
| PUB-11 – Letter from the Consumer Protection Office to PUB re response to further questions dated June 13, 2013 | Jun 13, 2013 | Exhibit | |
| PUB-13 – The Public Utilities Board Comparative Cost of Borrowing (Spreadsheet Report) prepared by PUB staff advisor Jennifer Dubois, CMA, dated June 10, 2013 | Jun 10, 2013 | Exhibit | |
| PUB-14 – Legislative Summary: Bill C-26: an Act to amend the (criminal interest rate), report of the Parliamentary Information and Research Service dated November 22, 2006 | Nov 22, 2006 | Exhibit | |
| PUB-12 – Fillmore Riley LLP research report: Statistics Regarding Lending Regulation and Other Jurisdictions 2013 | Exhibit | ||
| PUB-15 – Financial Consumer Agency of Canada report entitled “Payday Loan: An Expensive Way to Borrow” dated September 2012 | Exhibit | ||
| PUB-16 – Hoyes, Michalos & Associates Inc., Trustees in Bankruptcy, Ontario report entitled “Joe Debtor: Who Is He? Who Is At Risk?” dated May 2013 | Exhibit | ||
| PUB-19 – Revised Information Request PUB/CAC-2 | Exhibit | ||
| PUB-20 – The Public Utilities Board’s 2nd Supplementary Information Request and response to CAC, IR #55 | Exhibit | ||
| Exhibit List | Exhibit |
Information Requests
| Title | Type | ||
|---|---|---|---|
| Information Requests – Letter dated June 13, 2013 | Jun 13, 2013 | Information Requests | |
| Information Requests – Letter dated June 12, 2013 | Jun 12, 2013 | Information Requests | |
| Information Requests – PUB/CPLA | Information Requests | ||
| Information Requests – PUB/Coalition | Information Requests | ||
| Information Requests – PUB/MPL | Information Requests | ||
| Information Requests – PUB/PPL | Information Requests | ||
| Information Requests – CPLA/Coalition | Information Requests | ||
| Information Requests – Coalition/CPLA | Information Requests | ||
| Information Requests – CAC/HARVEST/PPL | Information Requests | ||
Report
| Title | Type | ||
|---|---|---|---|
| PUB Triennial Report on Payday Loans in Manitoba September 23, 2013 | Sep 23, 2013 | Report |
Submission
| Title | Type | ||||||||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| CAC and Winnipeg Harvest – Letter dated May 16, 2013 | May 16, 2013 | Submission | |||||||||||||||||||||||||||||||||||||||||||||
| Canadian Payday Loan Association – Letter dated May 16, 2013 | May 16, 2013 | Submission | |||||||||||||||||||||||||||||||||||||||||||||
| Parkland and The Pas Payday Loans – Letter dated May 16, 2013 | May 16, 2013 | Submission | |||||||||||||||||||||||||||||||||||||||||||||
| Consumer Protection Office – Report dated May 13, 2013 regarding the Public Utilities Board’s review process | May 13, 2013 | Submission | |||||||||||||||||||||||||||||||||||||||||||||
| CAC and Winnipeg Harvest – Payday Loans Consumer Profile based on the 2009 Canada Financial Capabilities Survey | Submission | ||||||||||||||||||||||||||||||||||||||||||||||
| CAC and Winnipeg Harvest – Payday Lending Literature Review | Submission | ||||||||||||||||||||||||||||||||||||||||||||||
| CAC and Winnipeg Harvest – Regulation of Payday Lending in Manitoba – Are the Rate Caps Reasonable? | Submission | ||||||||||||||||||||||||||||||||||||||||||||||
| CAC and Winnipeg Harvest – Report on Mystery Shopping Payday Lending & Payday Lending-Like Outlets in Winnipeg | Submission | ||||||||||||||||||||||||||||||||||||||||||||||
| CAC and Winnipeg Harvest – Report on the Exit Interviews of Payday Loan Customers | Submission | ||||||||||||||||||||||||||||||||||||||||||||||
| CAC and Winnipeg Harvest – Curriculum Vitae of Jerry D. Patrick Buckland | Submission | ||||||||||||||||||||||||||||||||||||||||||||||
| CAC and Winnipeg Harvest – Curriculum Vitae of Wayne Simpson | Submission | ||||||||||||||||||||||||||||||||||||||||||||||
| CAC and Winnipeg Harvest – Curriculum Vitae of Dana Bazarkulova | Submission | ||||||||||||||||||||||||||||||||||||||||||||||
| CAC and Winnipeg Harvest – Curriculum Vitae of Chris Robinson | Submission | ||||||||||||||||||||||||||||||||||||||||||||||
| CAC and Winnipeg Harvest – The historical development of the payday lending outlets in Winnipeg | Submission | ||||||||||||||||||||||||||||||||||||||||||||||
| CAC and Winnipeg Harvest – Final Submission | Submission | ||||||||||||||||||||||||||||||||||||||||||||||
| Canadian Payday Loan Association – Pre-Filed Evidence | Submission | ||||||||||||||||||||||||||||||||||||||||||||||
|
|||||||||||||||||||||||||||||||||||||||||||||||
| Canadian Payday Loan Association – Final Submission | Submission | ||||||||||||||||||||||||||||||||||||||||||||||
| Parkland and The Pas Payday Loans – Written Evidence | Submission | ||||||||||||||||||||||||||||||||||||||||||||||
| Parkland and The Pas Payday Loans – Final Submission | Submission | ||||||||||||||||||||||||||||||||||||||||||||||
| Moneytree Payday Loans – Affidavit of Robert Thompson | Submission | ||||||||||||||||||||||||||||||||||||||||||||||
| Moneytree Payday Loans – Consideration of the Manitoba decision by the Nova Scotia Utilities Board | Submission | ||||||||||||||||||||||||||||||||||||||||||||||
Transcript
| Title | Type | ||
|---|---|---|---|
| PayDay Loans Review – Transcript – July 3, 2013 (Pages 1 to 202) | Jul 3, 2013 | Transcript |
Take part in this proceeding
Two ways for the public to be heard.
| Order | Type | Description | ||
|---|---|---|---|---|
| 27/14 | Mar 12, 2014 | General | The Consumers' Association of Canada (Manitoba) Inc./Community of Financial Counselling Services/Winnipeg Harvest: Award of Costs - Payday Loan Hearing | |
| 38/13 | Apr 18, 2013 | General | Payday Loans Review: Intervener Status and Schedule of Proceedings |
None
None