Each province and territory has enacted laws that address general consumer protection matters. There are also laws that address specific industries. In Ontario, for instance, there is a general consumer protection statute, the Consumer Protection Act, which governs most transactions. Other transactions and aspects of consumer financial transactions may be covered by other Ontario legislation such as the Collection and Debt Settlement Services Act (sets out consumers rights when dealing with a collection agency) and the Consumer Reporting Act (addresses the use of consumer credit and personal information as to what is being reported and to whom).
Provincially, consumer protection laws generally categorize consumer agreements by type. In Ontario, agreements that are the subject of focused statutory treatment include internet agreements, personal development services agreements (which include gym memberships), future performance agreements, lease agreements and credit agreements. Disclosure requirements under consumer agreements vary by agreement type and, in some instances, by jurisdiction. Generally, consumer agreements must be in writing, consumer protections cannot be waived, and the prescribed disclosure must be provided to the consumer prior to entering into an agreement with the consumer.