Resource collection

Your Legal Rights is a collection of legal information resources produced by  organizations across Ontario.

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Legal Topic: Payday loans

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Steps to Justice – Debt and Consumer Rights

This section of CLEO’s Steps to Justice website features legal information questions, answers and next steps on buying goods and services, bankruptcy, buying a used car, collection agencies, credit reports and repair, debt and money problems, door‑to‑door sales, identity theft, motor vehicle repairs and payday loans
Other credits
Led by CLEO,

Available in:

English, Français

Format:

Web

Produced/Updated In:

2019

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Payday loans: An expensive way to borrow

This Government of Canada web page includes these topics: 

Available in:

English, Français

Format:

Web

Produced/Updated In:

2018

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Consumer Protection Ontario

Consumer Protection Ontario has information about the rights of consumers. Topics covered include:

Available in:

English, Français

Format:

Web

Produced/Updated In:

2017

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Payday loans – CLEO

This publication explains the legal rights of people who borrow money from a payday loan company, including limits on fees and interest, information that the lender must provide, and when the borrower can cancel the loan. It also suggests places to get help if the lender does not follow the law.

Available in:

English, Français

Format:

Booklet/PDF, Web

Produced/Updated In:

2017

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Banking

This resource is from the Government of Canada. It includes information about bank accounts, debit cards, online banking, deposit insurance, branch closures, and more.

Available in:

English, Français

Format:

Web

Produced/Updated In:

2016

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A Newcomer’s Introduction to Consumer Protection

This guide contains information that newcomers to Ontario should know when buying goods and services, and gives many examples of questions you can ask to help you become a smart consumer.

Available in:

English, Français

Format:

Booklet/PDF

Produced/Updated In:

2015

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Credit reports

The section on Credit reports on the Ministry of Consumer Resources web site offers advice to consumers on how to protect their name and gives information about consumer rights and obligations.

It looks at these topics and provides links:

Available in:

English, Français

Format:

Web

Produced/Updated In:

2015

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Payday loan: your rights

This web page outlines the rights that Ontario law gives to people who use payday loans. Topics covered include:

  • How it works
  • Costs
  • The law Rules for payday lenders
  • File a complaint
  • Find a licensed lender
  • Repayment plan
  • Ask the right questions
  • FAQs

Available in:

English, Français

Format:

Web

Produced/Updated In:

2015

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Hot Topics in Consumer Protection: Pay Day Loans Act

This webinar focuses on how consumers’ rights are protected by the Pay Day Loans Act and enforced through the courts and the Ministry of Consumer Services. It looks at how the legislation protects consumers by requiring cooling-off periods, written contracts, and clear advertising that explains the rights and responsibilities of both lenders and borrowers.

Available in:

English

Format:

Webinar

Produced/Updated In:

2010