{"id":652,"date":"2015-05-15T09:00:59","date_gmt":"2015-05-15T13:00:59","guid":{"rendered":"https:\/\/goday.ca\/blog\/?p=652"},"modified":"2021-09-30T11:10:14","modified_gmt":"2021-09-30T15:10:14","slug":"interpreting-the-ontario-payday-loan-act","status":"publish","type":"post","link":"https:\/\/goday.ca\/blog\/interpreting-the-ontario-payday-loan-act\/","title":{"rendered":"Interpreting the Ontario Payday Loan Act"},"content":{"rendered":"<p><span style=\"color: #000000;\"><a style=\"color: #000000;\" href=\"https:\/\/goday.ca\/blog\/wp-content\/uploads\/2015\/05\/Blog-Header-Interpreting-PDL-Act.png\"><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-2889 size-full\" src=\"https:\/\/goday.ca\/blog\/wp-content\/uploads\/2015\/05\/Blog-Header-Interpreting-PDL-Act-e1436463101262.png\" alt=\"Blog Header- Interpreting PDL Act\" width=\"1269\" height=\"704\" srcset=\"https:\/\/goday.ca\/blog\/wp-content\/uploads\/2015\/05\/Blog-Header-Interpreting-PDL-Act-e1436463101262.png 1269w, https:\/\/goday.ca\/blog\/wp-content\/uploads\/2015\/05\/Blog-Header-Interpreting-PDL-Act-e1436463101262-300x166.png 300w, https:\/\/goday.ca\/blog\/wp-content\/uploads\/2015\/05\/Blog-Header-Interpreting-PDL-Act-e1436463101262-768x426.png 768w, https:\/\/goday.ca\/blog\/wp-content\/uploads\/2015\/05\/Blog-Header-Interpreting-PDL-Act-e1436463101262-1024x568.png 1024w\" sizes=\"(max-width: 1269px) 100vw, 1269px\" \/><\/a><\/span><\/p>\n<p><span style=\"color: #000000;\">As a <a style=\"color: #000000;\" href=\"https:\/\/goday.ca\/\" target=\"_blank\" rel=\"noopener\">payday loan borrower<\/a>, you have some excellent rights and protection afforded to you in the province of Ontario (some of the best in the industry throughout the world!). <a style=\"color: #000000;\" href=\"https:\/\/goday.ca\/why-us\" target=\"_blank\" rel=\"noopener\">We&#8217;re all about customer education, transparency and responsible lending at GoDay.ca<\/a>, which means we want to help you understand your rights and responsibilities before entering into any agreement with us. The best way to do that, first and foremost, is to explain the provisions within the <a style=\"color: #000000;\" href=\"http:\/\/www.ontario.ca\/laws\/statute\/08p09\" target=\"_blank\" rel=\"noopener\">Ontario Payday Loan Act<\/a>.<\/span><\/p>\n<p><span style=\"color: #000000;\">A general outline of what&#8217;s included in the <a style=\"color: #000000;\" href=\"http:\/\/www.ontario.ca\/laws\/statute\/08p09\" target=\"_blank\" rel=\"noopener\">Ontario Payday Loan Act<\/a>:<\/span><\/p>\n<ul>\n<li><span style=\"color: #000000;\">The <a style=\"color: #000000;\" href=\"https:\/\/goday.ca\/blog\/payday-loan-proposals-among-those-put-before-ontario-government\/\" target=\"_blank\" rel=\"noopener\">Government of Ontario has authority <\/a>to set (in accordance with the regulations) a cap on the total cost of borrowing for a payday loan;<\/span><\/li>\n<li><span style=\"color: #000000;\">A description of the licensing system for all loan brokers and payday lenders;<\/span><\/li>\n<li><span style=\"color: #000000;\">An explanation of what&#8217;s prohibited in the industry (like concurrent and rollover loans);<\/span><\/li>\n<li><span style=\"color: #000000;\">The implementation of a &#8220;cooling period&#8221;, so borrowers can cancel a payday loan agreement without penalty and,<\/span><\/li>\n<li><span style=\"color: #000000;\">An explanation of punishment for offending payday loan lenders and brokers.<\/span><\/li>\n<\/ul>\n<h3><span style=\"color: #000000;\">Basic Terminology<\/span><\/h3>\n<p><span style=\"color: #000000;\">Borrower: An individual, a corporation, partnership, association, sole proprietor or another entity that receives a payday loan or has an interest in receiving one, aka: you!\u00a0<\/span><\/p>\n<p><span style=\"color: #000000;\">Cost of Borrowing: The total amount the borrower is required to pay when entering into a payday loan agreement. This includes your borrowed amount plus the fees and interest. It does not include default charges that the borrower might incur.<\/span><\/p>\n<p><span style=\"color: #000000;\">Default Charges: The charge incurred against a borrower who doesn&#8217;t make a payment as it comes due under their payday loan agreement, or doesn&#8217;t comply with another obligation they agreed to. This does not include interest on an overdue payment.<\/span><\/p>\n<p><span style=\"color: #000000;\">Lender: An individual, a corporation, partnership, association, sole proprietor or another entity that makes a payday loan to a borrower, aka: us!\u00a0<\/span><\/p>\n<p><span style=\"color: #000000;\">License: A license issued under the Ontario Payday Loans Act. A corporation, like GoDay.ca, is required to hold a license to be a lender in full compliance.<\/span><\/p>\n<p><span style=\"color: #000000;\"><a style=\"color: #000000;\" href=\"https:\/\/goday.ca\/\" target=\"_blank\" rel=\"noopener\">Payday Loans:<\/a> An advancement of money in exchange for a PAD (pre-authorized debit), post-dated cheque or future payment of a similar nature. <\/span><\/p>\n<p><span style=\"color: #000000;\">Payday Loan Agreement: The agreement which a lender makes a payday loan to a borrower.<a style=\"color: #000000;\" href=\"https:\/\/goday.ca\/blog\/wp-content\/uploads\/2013\/01\/Canadian-Money.jpg\"><br \/>\n<\/a><\/span><\/p>\n<h3><span style=\"color: #000000;\">Key Things to Take Away<\/span><\/h3>\n<p><span style=\"color: #000000;\">-If your <a style=\"color: #000000;\" title=\"How GoDay Works\" href=\"https:\/\/goday.ca\/how-it-works\" target=\"_blank\" rel=\"noopener\">payday loan lender<\/a> does not have a license to operate, you are only required to repay the advance and are not required to pay cost of borrowing.<\/span><br \/>\n<span style=\"color: #000000;\"> -The Registrar (licensing issuing body) can refuse to renew a license to a payday loan lender or broker should they not meet the prescribed requirements.<\/span><br \/>\n<span style=\"color: #000000;\"> -The Registrar can also revoke a license should the payday loan lender or broker be in breach of the requirements. This suspension can be immediate if in the best interest of the public.<\/span><br \/>\n<span style=\"color: #000000;\"> -A license isn&#8217;t transferable. For example, if our corporation &#8220;changed hands&#8221;, a new license would have to be issued.<\/span><\/p>\n<h3><span style=\"color: #000000;\">For Your Protection<\/span><\/h3>\n<p><span style=\"color: #000000;\">When shopping around for a lender, you want full disclosure of their terms and conditions. Look at the following as either good signs or red flags:<\/span><\/p>\n<p><span style=\"color: #000000;\">-Visibility of the license: if you&#8217;re at a retail location, it must be easily visible to the public. If online, well, this one&#8217;s easy. It should be, at the very least, on an application page.<\/span><br \/>\n<span style=\"color: #000000;\"> -Any misrepresentation of fees, cost of borrowing, etc should be a red flag. No licensee is permitted to make false or misleading statements relating to your payday loan agreement or the payday loan itself. This applies to any statements, in print or otherwise.<\/span><br \/>\n<span style=\"color: #000000;\"> -If you find you&#8217;ve been the victim of misrepresentation, you are only obligated to repay the amount borrowed.<\/span><br \/>\n<span style=\"color: #000000;\"> -You have the right to cancel your<a style=\"color: #000000;\" title=\"GoDay Home Page\" href=\"https:\/\/goday.ca\/\" target=\"_blank\" rel=\"noopener\"> payday loan agreement,<\/a> without reason, up to the end of the 2nd day after the time the lender has approved your loan OR the next day that the lender is open for business following the 2nd if the business isn&#8217;t open on said 2nd day.<\/span><\/p>\n<p><span style=\"color: #000000;\"><em>Example: You&#8217;re approved for a payday loan on Friday. You have until Sunday to cancel, but your lender is closed. Thus, you should be permitted to cancel on Monday.<\/em><\/span><\/p>\n<p><span style=\"color: #000000;\">-Your information must remain confidential unless you express permission to do otherwise. Read your terms carefully!<\/span><br \/>\n<span style=\"color: #000000;\"> -You should be able to understand the language in your payday loan agreement. Your terms should be clear and obvious. If you&#8217;re uncertain, ask. Your potential-lender should have no hesitations when providing answers. If anything seems suspicious, just get out of there.<\/span><\/p>\n<p><span style=\"color: #000000;\"><iframe loading=\"lazy\" src=\"\/\/www.youtube.com\/embed\/RyZRQenj3Bw\" width=\"420\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/span><\/p>\n<h3><span style=\"color: #000000;\">We&#8217;re Squeaky Clean!<\/span><\/h3>\n<p><span style=\"color: #000000;\">Let&#8217;s be real here &#8211; If a <a style=\"color: #000000;\" href=\"https:\/\/goday.ca\/education\" target=\"_blank\" rel=\"noopener\">payday loan company is taking time to educate you about your rights<\/a>,\u00a0chances are they&#8217;re okay to do business with. Sure, you might think, <em>this is just another gimmick<\/em>, but really, we don&#8217;t need one. Honesty and transparency is how we roll. Why bother making it complicated?\u00a0If there&#8217;s even been the slightest moment where you had doubts about your current service provider, then come give GoDay.ca a try.\u00a0We know the industry, and we agree with the measurements in place to protect you.<\/span><\/p>\n<p><span style=\"color: #000000;\"><strong><em>Sources:<\/em><\/strong><\/span><\/p>\n<p><span style=\"color: #000000;\"><em><a style=\"color: #000000;\" title=\"Proposed Regulatory Amendments to the General Regulation \" href=\"http:\/\/www.ontariocanada.com\/registry\/view.do?postingId=6823&amp;language=en\" target=\"_blank\" rel=\"noopener\" class=\"broken_link\">ServiceOntario &#8211; Regulatory Registry\u00a0<\/a><\/em><\/span><\/p>\n<p><span style=\"color: #000000;\"><em><a style=\"color: #000000;\" title=\"Ontario Payday Loans Act General \" href=\"https:\/\/canadiancfa.com\/about-ccfa\/government-legislation\/\" target=\"_blank\" rel=\"noopener\">Ontario Regulations made under the Payday Loans Act 2008\u00a0<\/a><\/em><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>As a payday loan borrower, you have some excellent rights and protection afforded to you in the province of Ontario (some of the best in the industry throughout the world!). We&#8217;re all about customer education, transparency and responsible lending at GoDay.ca, which means we want to help you understand your rights and responsibilities before entering [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[10],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.5 (Yoast SEO v20.5) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\r\n<title>Interpreting the Ontario Payday Loan Act<\/title>\r\n<meta name=\"description\" content=\"Full Disclosure from GoDay.ca - Understand your rights &amp; responsibilities with a payday loan in Ontario.\" \/>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/goday.ca\/blog\/interpreting-the-ontario-payday-loan-act\/\" \/>\r\n<meta property=\"og:locale\" content=\"en_US\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"Interpreting the Ontario Payday Loan Act\" \/>\r\n<meta property=\"og:description\" content=\"Find out how to interpret the Ontario Payday Loan Act here.\" \/>\r\n<meta property=\"og:url\" content=\"https:\/\/goday.ca\/blog\/interpreting-the-ontario-payday-loan-act\/\" \/>\r\n<meta property=\"og:site_name\" content=\"GoDay Cafe\" \/>\r\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/GoDay.ca\" \/>\r\n<meta property=\"article:published_time\" content=\"2015-05-15T13:00:59+00:00\" \/>\r\n<meta property=\"article:modified_time\" content=\"2021-09-30T15:10:14+00:00\" \/>\r\n<meta property=\"og:image\" content=\"https:\/\/goday.ca\/blog\/wp-content\/uploads\/2015\/05\/Blog-Header-Interpreting-PDL-Act-e1436463101262.png\" \/>\r\n<meta name=\"author\" content=\"GoDay.ca Customer Education Team\" \/>\r\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\r\n<meta name=\"twitter:title\" content=\"Interpreting the Ontario Payday Loan Act\" \/>\r\n<meta name=\"twitter:creator\" content=\"@GODAYca\" \/>\r\n<meta name=\"twitter:site\" content=\"@GODAYca\" \/>\r\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"GoDay.ca Customer Education Team\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\r\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/goday.ca\/blog\/interpreting-the-ontario-payday-loan-act\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/goday.ca\/blog\/interpreting-the-ontario-payday-loan-act\/\"},\"author\":{\"name\":\"GoDay.ca Customer Education Team\",\"@id\":\"https:\/\/goday.ca\/blog\/#\/schema\/person\/5dd4477e7fa335c98b4ab9e4af1a2c3d\"},\"headline\":\"Interpreting the Ontario Payday Loan Act\",\"datePublished\":\"2015-05-15T13:00:59+00:00\",\"dateModified\":\"2021-09-30T15:10:14+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/goday.ca\/blog\/interpreting-the-ontario-payday-loan-act\/\"},\"wordCount\":856,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/goday.ca\/blog\/#organization\"},\"articleSection\":[\"Money\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/goday.ca\/blog\/interpreting-the-ontario-payday-loan-act\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/goday.ca\/blog\/interpreting-the-ontario-payday-loan-act\/\",\"url\":\"https:\/\/goday.ca\/blog\/interpreting-the-ontario-payday-loan-act\/\",\"name\":\"Interpreting the Ontario Payday Loan Act\",\"isPartOf\":{\"@id\":\"https:\/\/goday.ca\/blog\/#website\"},\"datePublished\":\"2015-05-15T13:00:59+00:00\",\"dateModified\":\"2021-09-30T15:10:14+00:00\",\"description\":\"Full Disclosure from GoDay.ca - 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