· Lending
Buy now pay later regulation in Canada
BNPL products in Canada face evolving disclosure and consumer protection requirements that depend on product structure, term length, and cost of credit.
BNPL products in Canada face evolving disclosure and consumer protection requirements that depend on product structure, term length, and cost of credit.
Provincial credit legislation requires specific disclosures to borrowers at the time credit is offered — and the requirements differ across Canadian jurisdictions.
Which entity is the lender of record in a fintech lending product determines disclosure obligations, licensing exposure, and how regulatory risk is allocated across the structure.
Legal and regulatory considerations for platforms offering, arranging, or supporting credit products.