Consumer protection laws in Ontario

Your consumer rights are protected by many different acts. Some acts are enforced by the Ministry of Consumer Services and some by other organizations.

Find out about consumer protection laws and what organisations are responsible for them.

The Consumer Protection Act (CPA) governs most common consumer transactions in the marketplace and home. If your transaction isn’t covered under the CPA, it may be covered by other consumer protection acts listed here.

Covered under the Ministry of Consumer Services

If you have a complaint against a business related to one of the acts below, you may be able to file a complaint with the Consumer Protection Branch of the ministry. 

Collections Agencies Act outlines your rights when dealing with a collection agency.

Consumer Reporting Act ensures:

  • that credit reporting agencies collect, maintain and report your credit and personal information in a responsible manner
  • your right to know what is being reported about you and to whom
  • your right to correct information about yourself that is inaccurate
     
  • Read about protecting your credit
  • Read the Consumer Reporting Act

Payday Loans Act provides rights for you as a borrower when you borrow from a payday lender.

Bailiffs Act regulates the appointment and jurisdiction of bailiffs in Ontario.

Film Classification Act provides information on the classification of films and video games. The Ontario Film Review Board is responsible for classifying and approving films and video games.

Funeral, Burial and Cremation Services Act is enforced by the ministry and the Board of Funeral Services. The ministry enforces rules in the act about cemeteries, cremation, burials and scatterings.

Under an administrative authority

Administrative Authorities are responsible for ensuring that a number of Ontario’s consumer protection and public safety laws are applied and enforced.

Tarion administers the Ontario New Home Warranties Plan Act. The act offers new homebuyers warranties for defects in construction and costs of delayed closings, and deposit protection if the builder declares bankruptcy.

The Real Estate Council of Ontario (RECO) administers the Real Estate and Business Brokers Act. It regulates real estate salespersons and brokerages.

The Travel Industry Council of Ontario (TICO) administers the Travel Industry Act, which sets standards for all travel retailers and travel wholesalers in Ontario. Find out more about your consumer rights when booking travel.

The Vintners Quality Alliance Ontario (VQA) enforces the Vintners' Quality Alliance Act, which governs the production, “Appellation of Origin” system and promotion of VQA Ontario wines.

The Ontario Motor Vehicle Industry Council (OMVIC) enforces the Motor Vehicle Dealers Act, which regulates and provides licences for motor vehicle dealers and salespersons. Learn about buying a new or used vehicle in Ontario.

Board of Funeral Services (BoFS) enforces the rules for funeral homes and transfer services under the Funeral, Burial and Cremation Services Act.

The Electrical Safety Authority (ESA) administers the Electricity Act to regulate:

  • Ontario’s electrical safety code
  • licensing of electrical contractors and master electricians
  • electricity distribution system safety
  • electrical product safety

Technical Standards and Safety Authority (TSSA) enforces the Technical Standards and Safety Act for:

  • boilers and pressure vessels, and operating engineers
  • elevating devices and ski lifts
  • amusement rides
  • fuels
  • upholstered and stuffed articles

Shared with the Ministry of Government Services

These acts are administered by both the Ministry of Consumer Services and Ministry of Government Services.

On the ownership, administration and rules for condominiums:

Read more about where you can go to solve a dispute about your condo.

To ensure fair practices when personal items are held as collateral:

Consumer protection overseen by other ministries

Energy Consumer Protection Act regulates the activities of licensed electricity retailers and gas marketers.

Ticket Speculation Act ensures that companies, brokers or agents can’t withhold popular event tickets for sale to sell them through a related company at a higher price. Contact the Ministry of the Attorney General for more information.

Updated: April 17, 2014