Provinces & Territories

Capital: Toronto

Ontario offers personal loans through banks, credit unions, and licensed lenders regulated under the Payday Loans Act and federal financial regulations.

Capital: Quebec City

Quebec has strict consumer protection laws governed by the Consumer Protection Act, with specific regulations for high-cost credit products.

Capital: Victoria

BC regulates personal loans through the Business Practices and Consumer Protection Act, with specific rules for payday and high-cost lending.

Capital: Edmonton

Alberta regulates consumer lending through the Fair Trading Act and Cost of Credit Disclosure Regulation, with specific payday loan rules.

Capital: Winnipeg

Manitoba regulates consumer credit through the Consumer Protection Act with specific provisions for payday loans and high-cost lending.

Capital: Regina

Saskatchewan regulates payday lending through the Payday Loans Act and consumer credit through provincial consumer protection legislation.

Capital: Halifax

Nova Scotia regulates consumer lending through the Consumer Protection Act with specific provisions for payday loans and high-interest credit.

Capital: Fredericton

New Brunswick regulates consumer lending through the Cost of Credit Disclosure Act and Payday Loans Act with bilingual service requirements.

Capital: St. John's

Newfoundland and Labrador regulates consumer lending through the Consumer Protection and Business Practices Act with specific payday loan regulations.

Capital: Charlottetown

PEI regulates consumer lending through consumer protection legislation with oversight by the Office of the Attorney General.

Capital: Yellowknife

Northwest Territories regulates consumer lending through territorial legislation with consideration for remote and Indigenous communities.

Capital: Whitehorse

Yukon regulates consumer lending through territorial consumer protection legislation with focus on small community needs.

Capital: Iqaluit

Nunavut regulates consumer lending with special consideration for Inuit communities and remote accessibility challenges.