Consumer protection

The Consumer Bill of Rights outlines the protections that consumers have when buying goods or signing contracts.

The Alberta Securities Commission is the regulatory agency responsible for administering the province’s securities laws. This page provides information on how to file a complaint. ASC use complaints filed by the public as well as other means to identify potential breaches of securities laws, and take enforcement action including investigating and prosecuting either administratively or quasi-criminally, as appropriate, to protect investors and the integrity of Alberta’s capital market.

If you buy or sell goods through a public auction in Alberta, it is important to know that the business holding the auction must be licensed by the province and post security. The Fair Trading Act, the Public Auctions Regulation and Section 57 of the Sale of Goods Act regulate public auction businesses in Alberta. This tipsheet outline the rules and regulations that must be followed by Alberta businesses that sell goods by public auction.

Summary, collision worksheet form, tips to remember and steps to follow after an automobile collision.

The Time Share and Points-Based Contracts and Business Regulation under the Consumer Protection Act(CPA) sets out the rules for businesses selling time share.

The Handbook was created and is updated by the Consumer Measures Committee, a joint committee of federal, provincial and territorial governments. The objective of the Handbook is to help Canadian consumers become better-informed and more confident.

The Alberta Securities Commission is the regulatory agency responsible for administering the province’s securities laws. This page provides a link to “Spot the red flags” information on how to recognize and avoid investment scams.

This Alberta government department investigates consumer complaints, enforces consumer protection legislation, licenses and registers regulated businesses and charitable organizations and informs consumers and businesses of their rights and responsibilities.

The Consumers’ Association of Canada (CAC), founded in 1947, is an independent, not-for-profit, volunteer-based, charitable organization. CAC’s mandate is to inform and educate consumers on marketplace issues, to advocate for consumers with government and industry, and work with government and industry to solve marketplace problems. CAC focuses its work in the areas of food, health, trade, standards, financial services, communications industries and other marketplace issues as they emerge.

This web page has information about your legal responsibilities when you have a joint or shared credit card. It describes how authorized users (or secondary users) can affect you and your liabilities.

In Alberta, most companies that sell products door-to-door must be licensed under the Consumer Protection Act and the Direct Selling Business Licensing Regulation. Door-to-door sales people sell everything from encyclopedias and magazines to home improvements. If a contract is signed in person,negotiated or concluded away from the seller’s usual place of business, it is considered a direct sale.

The Farmers Advocate Office works to ensure rural Albertans have consumer protection, rural opportunities and fair process. We administer the Farm Implement Act that provides consumer protection through warranty, parts availability and licensing provisions, including inspection to assist in FIB proceedings. Rural opportunity is realized through assisting landowners with managing their land asset, mitigating business risk and maximizing future economic opportunity as it relates to interaction with the energy industry.

The Consumer Investigations Unit (CIU) of ServiceAlberta is responsible for Alberta’s consumer protection and tenancy laws. This infosheet explains how to file a consumer complaint with Service Alberta and when an investigation maybe opened, as well as other options available to consumers.

Gift cards purchased in Alberta are no longer subject to expiry dates and fees that lower their value over time. This tipsheet provides information on the  Alberta’s Gift Card Regulation, which is part of the Consumer Protection Act,. It also includes information on other rules that help to improve consumer protections, use of the cards and disclosure of terms and conditions.

When someone uses personal information such as your name, Social Insurance number (SIN), credit card number or other identifying information without your knowledge or permission, it is identity theft and it is a crime. This tipsheet provides information on: how businesses and community groups can raise awareness of identity theft, how to protect your identity when you are away from home, and how to report ID theft.

If you are victim of identity theft or identity fraud, you should immediately take some basic steps to prevent further crimes from happening and to restore your credit and good name. Navigating through the system as a victim can be time-consuming and confusing. This guide should help start you off in the right direction.

Insurance-Canada.ca provides consumers and insurance professionals with information about insurance-related topics pertinent to Canada. The website includes reviews of insurance-related services, question-and-answer sections and articles for both the consumer and insurance professional. They offer an online directory of insurance providers and services, and an electronic newsletter.

This tipsheet provides information to help Albertans protect themselves from being an unwilling participant in mortgage fraud. If you are going to invest in real estate, make sure you are using a licensed mortgage broker who is registered under the Real Estate Act in Alberta.

The National Do Not Call List (DNCL) gives consumers a choice about whether to receive telemarketing calls. If you are a consumer you can choose to reduce the number of telemarketing calls you receive by registering your residential, wireless, fax or VoIP telephone number on the National DNCL. You can also file a complaint about telemarketing calls. Call toll-free 1-866-580-DNCL (1-866-580-3625)

The OmbudService for Life and Health Insurance (OLHI) is a free, fast, independent, and impartial alternative dispute resolution public service for Canadian life and health insurance consumers.

OLHI provides accurate and accessible information about life and health insurance concerns.

This includes guiding consumers through the complaints process, answering their questions, and helping them find lost policies or policies of deceased loved ones.

This colourful information sheet provides legal information about payday loans and debt problems for all ages and can be folded to fit comfortably in a wallet. (Dimensions 9cm x 43cm)

REACH is Edmonton’s Council for Safe Communities. REACH is a community-based organization working to mobilize and coordinate organizations, community groups and Edmontonians to find innovative solutions to prevention and community safety.

In Alberta, the Mobile Home Sites Tenancies Act applies to people who own a mobile home and rent the mobile home site from a landlord. This law sets out the rights and responsibilities that apply to these tenancies,

This publication provides general information about the MHSTA and the two supporting regulations.

The Time Share Contracts Regulation under the Consumer Protection Act has been expanded to include the sale of points-based time share contracts. This tipsheet provides information if you offer, solicit, negotiate or conclude a traditional time share or points-based time share contract in Alberta.

Service Alberta investigates complaints from Albertans about consumer transactions, including landlord and tenant issues. The first step in the complaint process is to talk with an Information Officer at 780-427-4088 in Edmonton and toll free at 1-877-427-4088 throughout the rest of the province.

The Consumer Protection Act protects consumers from unfair business practices before, during or after a consumer transaction. See also: Canadian Legal FAQs on Alberta consumer protections at https://www.law-faqs.org/alberta-faqs/consumer-law/

Learn about legal options and debt repayment if you caused injury to someone in a motor vehicle accident and you didn’t have insurance.

The UCA represents Alberta small consumers by acting as the voice of consumers during regulatory proceedings to ensure the lowest regulated rates consistent with reasonable service, and by providing consumers with the information they need to make informed choices about how to purchase electricity and natural gas, based on their individual circumstances. When consumers have exhausted known avenues of issue resolution, the UCA will investigate and mediate concerns with utility companies.

This is a guide on how to buy products and services in Alberta and contains information about your consumer rights. You will need to buy certain items and you will need to use certain services as you settle into as you start your new life in Alberta.

A deferred payment plan happens when arrangements are made for a debt to go unpaid until sometime in the future. This publication provides an overview of the ins and outs of a deferred payment plan and what it means to the consumer.