Hometime · Alberta legislation

CPA Condominium Property Act

CPA RTA

Consumer Protection Act

Chapter C-26.3 · Office consolidation current to 2026-07-14 · Official PDF

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1 Interpretation 1.1 Consumer Bill of Rights

Part 1 — General Principles

2 Act prevails 2.1 Application of Act 3 Other rights unaffected 4 Interpretation of documents 4.1 Regulations

Part 2 — Unfair and Negative Option Practices Division 1 Unfair Practices

5 Application 6 Unfair practices 7 Cancelling agreement 7.1 Notice 7.2 Powers of Court 7.3 Liability 7.4 Court of Justice 8 Time of occurrence 9 Advertising 10 Trust accounts 11 Information in representations 12 Regulations 13 Division 2 Civil Remedies Against Suppliers Court action by consumer 14 Court of Justice 15 Actions by the Director on behalf of consumers 16 Arbitration clause, agreement 17 Court action by consumer organizations 18 Director to be notified 19 Advertisement of judicial decision 20 Division 3 Negative Option Practices Definition 21 Application 22 No consumer liability 23 Negative option practices prohibited 23.1 Division 4 Price Transparency Price transparency

Part 3 — Cancellation of Direct Sales Contracts and Time Share Contracts

24 Definitions 25 Application 26 Division 1 Direct Sales Contracts Salesperson's representations 27 Absolute cancellation right 28 Extended cancellation in certain circumstances 29 Method of cancellation 30 Effect of cancellation of contract 31 Responsibilities on cancellation 32 Consumer's right to retain goods 33 Recovery of refund and trade-in allowance 34 Proceeds of bond 35 Contents of sales contract 36 Regulations 37 Division 2 Time Share Contracts Absolute cancellation right 38 Method of cancellation 39 Responsibilities on cancellation 40 Recovery of refund 41 Regulations

Part 3 — .1

41.1 Life Leases Definitions 41.2 Application 41.3 Life lease requirements 41.4 Return of entrance fee 41.5 Standard content of agreements, forms, other documents 41.6 Regulations

Part 4 — Marketing Through Electronic Media

Part 5 — Credit and Personal Reports

43 Definitions 44 Furnishing reports 45 Contents of reports 47 Explanation by individual 49 False information 50 Civil remedy 51 Regulations

Part 6 — Wage Assignments

52 Definitions 53 Assignments

Part 7 — Fees Charged by Loan Brokers

54 Charging and collecting fees 54.1 Regulations

Part 8 — Consignment Sales, Mobile Homes and Motor Fuel

55 Consignment sales 56 Mobile homes 57 Motor fuel

Part 8 — .1

57.1 Ticket Sales and Resales Definitions 57.2 Ticket refund by secondary seller, operator of secondary ticketing platform 57.3 Use of certain software 57.4 Court action re prohibited use of software 57.5 Court of Justice 57.6 Regulations

Part 9 — Cost of Credit Disclosure Division 1 Interpretation and Application

58 Definitions 59 Determination of cost of credit 60 Application 61 Division 2 Disclosure Definition 62 Requirement to disclose 63 Form of disclosure statements 64 Time at which disclosure statement to be delivered 65 Delivery of disclosure statements 66 Fees, Charges and Optional Services Required insurance 67 Cancellation of optional services 68 Prepayment of non-mortgage credit 69 Default charges 70 Invitation to defer payment 71 Acceleration clauses 72 Credit Arranged by Loan Brokers Non-business credit grantors 73 Business credit grantors 74 Division 3 Fixed Credit General Application 75 Credit sales 76 Advertising for fixed credit 77 Disclosure Statements Initial disclosure statement for fixed credit 78 Changes in interest rate 79 Disclosure regarding amendments 80 Disclosure where mortgage loan renewed 81 Renewal of non-mortgage loan 82 Division 4 Open Credit General Application 83 Advertising for open credit 84 Initial disclosure statement 85 Statement of account 86 Credit Cards No unsolicited credit cards 87 Application for credit card 88 Additional disclosure for credit card 89 Limitation of liability 90 Division 5 Leases of Goods Definitions 91 Application of Division 92 Advertisements 93 Disclosure statement for lease 94 Residual obligation leases 95 Division 6 Compliance Interpretation 96 Recovery of payments and compensation 97 Inconsistency between disclosure statement and contract 98 Statutory damages 99 Exemplary damages 100 Assignee 101 Division 7 Regulations Regulations

Part 10 — Designated Trades and Businesses

102 Definitions 103 Application of Part 104 Licence required - designated businesses 105 Regulations 106 Codes respecting competitive practices 107 Compliance with code 108 Municipal licences

Part 10 — .1

108.1 Automotive Sales and Repairs Definitions 108.3 Regulations

Part 11 — Collection Practices

109 Definitions 110 Exemptions 111 Licence required 112 Suspension and cancellation of licence 114 Statement of account 117 Withdrawal of accounts 118 Regulations

Part 12 — Public Auctions

119 Definitions 120 Application 121 Licence required 123 Removal of goods purchased 124 Regulations

Part 12 — .01

124.01 High-cost Credit Definitions 124.02 Licence required

Part 12 — .1

124.1 Payday Loans Interpretation 124.11 Application 124.12 Express consent 124.2 Prohibited practices 124.21 Tied selling prohibited 124.3 Instalment payments 124.31 Financial literacy information 124.4 Cancellation period 124.5 Agreement and advance 124.51 Acknowledgment of receipt of payment 124.6 Payout of balance on cash card 124.61 Maximum allowable cost of borrowing 124.7 Consequence of failure to comply 124.8 Signs and notices 124.81 Creation, retention of records 124.9 Use, disclosure of personal information 124.91 Regulations

Part 13 — Licensing

125 Definition 126 Application for licence 127 Refusal, suspension, cancellation, terms 128 Notice 129 Order against agents and others 130 Security 131 Term of licence 132 Duty to maintain records 133 Trust accounts 134 Notification of changes 135 Appeal 136 Delegation to regulatory boards 137 Establishment of fund by regulatory board 137.1 Review respecting regulatory board 137.2 Ministerial order after review 137.3 Notice of ministerial order 137.5 Request to revoke or vary ministerial order made without notice 137.6 Revocation of ministerial order 137.7 Responsibility for review and order costs 137.8 Continuation of Alberta Motor Vehicle Industry Council as corporation 137.9 Act, regulations prevail 137.91 Transitional regulations, matters 137.92 Transitional regulations re continuation of Alberta Motor Vehicle Industry Council 138 Delegation to department head 139 Regulations 140 Registration

Part 14 — Remedies and Enforcement

141 Definition 142 Dispute Resolution Dispute resolution 142.2 Court of Justice 143 Trust Accounts Regulations 144 Inspections and Investigations Identification of inspectors 145 Inspection 146 Order compelling assistance in inspections 147 Investigation 148 Order compelling assistance in investigations 149 Special circumstances 150 Publication of information 150.1 Disclosing default in payment of fines 151 Property freeze orders 151.1 Payment into court 151.2 Notice filed in land titles office or Personal Property Registry 151.3 Application to Court respecting order or notice 152 Undertakings Supplier's undertakings 153 Change in undertaking by Director 154 Change in undertaking by Court 155 Effect of varying or cancelling an undertaking 156 Injunctions and Compliance Orders Injunction 157 Director's order 157.1 Public record 158 Enforcement of Director's order 158.1 Administrative Penalties Notice of administrative penalty 158.2 Right to make representations 158.3 No offence where administrative penalty paid 158.4 Enforceability of notice of administrative penalty 158.5 Ministerial regulations 159 Other Remedies Court actions by the Director 159.1 Director's claim for restitution 160 Advertisement of judicial decision 161 Offences Non-compliance with Act 162 Non-compliance with regulations 163 Non-compliance with orders, etc. 164 Penalty 165 Corporations, partnerships and sole proprietorships 166 Vicarious liability 167 Time limit for prosecution 168 Restitution 169 Evidence Carrying on business 169.1 Evidence 170 Loan brokers 171 Status of licensee and nature of substances, etc. 172 Copies

Part 15 — Administration and Appeals Administration

173 Director and inspectors 174 Delegation 175 Co-operative enforcement 176 Government's costs 177 Service of documents 178 Forms 179 Appeals Appeal 180 Effect of appeal 181 Court of King's Bench 182 Powers of appeal board 182.1 Protection from liability 183 Regulations

Part 15 — .1

183.1 General Publication of review 183.2 Complainant protection

Alberta statute text on this site is reproduced from consolidations published by the Alberta King’s Printer. This is not an official version. Hometime Property Services Ltd. does not warrant that these documents are complete or current, and is not liable if they are out of date. Always consult the official King’s Printer consolidation before relying on this text.

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