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O. Reg. 408/12: ADMINISTRATIVE PENALTIES
under Insurance Act, R.S.O. 1990, c. I.8
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ADMINISTRATIVE PENALTIES
Historical version for the period December 12, 2014 to December 31, 2014.
Last amendment: O. Reg. 262/14.
This is the English version of a bilingual regulation.
Interpretation
Interpretation
1. A provision that is listed or set out in a schedule to this Regulation without reference to a statute or regulation is a provision of the Act. O. Reg. 408/12, s. 1.
General Administrative Penalties Imposed under Section 441.3 of the Act
Prescribed provisions
2. The provisions of the Act or of a regulation that are listed in Schedules 1, 2 and 2.1 are prescribed for the purpose of imposing a general administrative penalty under section 441.3 of the Act. O. Reg. 408/12, s. 2; O. Reg. 230/14, s. 1.
Maximum penalty
3. (1) The maximum penalty that may be imposed under section 441.3 of the Act for a contravention of or failure to comply with a requirement imposed by a provision listed in Schedule 1 is the maximum amount specified in subsection 441.5 (1) of the Act. O. Reg. 408/12, s. 3 (1).
(2) The maximum penalty that may be imposed under section 441.3 of the Act for a contravention of or failure to comply with a requirement imposed by a provision listed in Schedule 2 is,
(a) $100,000 for a person other than an individual;
(b) $50,000 for an individual. O. Reg. 408/12, s. 3 (2).
(3) The maximum penalty that may be imposed under section 441.3 of the Act for a contravention of or failure to comply with a requirement imposed by a provision listed in Schedule 2.1 is $25,000. O. Reg. 230/14, s. 2.
Determination of amount of penalty
4. (1) The Superintendent is authorized to determine the amount of a penalty imposed under section 441.3 of the Act, subject to the limits set out in section 3. O. Reg. 408/12, s. 4 (1).
(2) The Superintendent shall consider only the following criteria when determining the amount of an administrative penalty to be imposed under section 441.3 of the Act for a purpose set out in section 441.2 of the Act:
1. The degree to which the contravention or failure was intentional, reckless or negligent.
2. The extent of the harm or potential harm to others resulting from the contravention or failure.
3. The extent to which the person tried to mitigate any loss or to take other remedial action.
4. The extent to which the person derived or reasonably might have expected to derive, directly or indirectly, any economic benefit from the contravention or failure.
5. Any other contraventions of or failures to comply with a requirement established under the Act or with any other financial services legislation of Ontario or of any jurisdiction during the preceding five years by the person. O. Reg. 408/12, s. 4 (2).
Deadline for paying penalty
5. (1) A person on whom a penalty has been imposed under section 441.3 of the Act shall pay the penalty no later than 30 days after the person is given notice of the order imposing the penalty or such longer time as may be specified in the order. O. Reg. 408/12, s. 5 (1).
(2) If a person requests a hearing on the notice of a proposal to impose a penalty in accordance with subsection 441.3 (5) of the Act, the person shall pay the penalty no later than 30 days after the matter is finally determined or such longer time as may be specified in the order. O. Reg. 408/12, s. 5 (2).
Summary Administrative Penalties Imposed under Section 441.4 of the Act
Prescribed provisions
6. The provisions of the Act or of a regulation that are set out in Column 1 of Schedule 3 and the provisions of the Act that are listed in Schedule 4 are prescribed for the purpose of imposing a summary administrative penalty under section 441.4 of the Act. O. Reg. 408/12, s. 6.
Amount of penalty
7. The amount that is set out in Column 2 of Schedule 3 opposite a provision set out in Column 1 of Schedule 3 is the penalty that may be imposed under section 441.4 of the Act for a contravention of or failure to comply with a requirement imposed by that provision. O. Reg. 408/12, s. 7.
Daily penalty
8. (1) Subject to subsection (2), the Superintendent may impose a penalty of $250 for each day or part of a day on which a contravention of or failure to comply with a requirement imposed by a provision listed in Schedule 4 occurs or continues. O. Reg. 408/12, s. 8 (1).
(2) The maximum penalty that may be imposed under section 441.4 of the Act for a contravention of or failure to comply with a requirement imposed by a provision listed in Schedule 4 is the maximum amount specified in subsection 441.5 (2) of the Act. O. Reg. 408/12, s. 8 (2).
Deadline for paying penalty
9. (1) A person on whom a penalty has been imposed under section 441.4 of the Act shall pay the penalty no later than 30 days after the person is given notice of the order imposing the penalty or such longer time as may be specified in the order. O. Reg. 408/12, s. 9 (1).
(2) If a person appeals the Superintendent’s order in accordance with subsection 441.4 (4) of the Act, the person shall pay the penalty no later than 30 days after the matter is finally determined or such longer time as may be specified in the varied or confirmed order. O. Reg. 408/12, s. 9 (2).
10. Omitted (provides for coming into force of provisions of this Regulation). O. Reg. 408/12, s. 10.
Schedule 1
General Administrative Penalties Imposed under Section 441.3 of the Act — Maximum Penalty Specified in Act
|
Item |
Provision |
|
1. |
Revoked: O. Reg. 238/13, s. 1 (1). |
|
2. |
Revoked: O. Reg. 238/13, s. 1 (1). |
|
3. |
subsection 40 (1) |
|
4. |
subsection 40 (2) |
|
5. |
subsection 40 (3) |
|
6. |
subsection 40 (4) |
|
7. |
subsection 40 (6) |
|
8. |
subsection 40 (7) |
|
9. |
subsection 65.1 (2) |
|
10. |
subsection 102 (8) |
|
11. |
subsection 102 (11) |
|
12. |
subsection 110 (2) |
|
13. |
clause 110 (6) (a) |
|
14. |
clause 110 (6) (b) |
|
15. |
section 115 |
|
16. |
subsection 117 (1) |
|
17. |
subsection 117 (3) |
|
18. |
subsection 237 (1) |
|
19. |
subsection 237 (2) |
|
20. |
subsection 238 (1) |
|
20.1 |
subsection 288.2 (1) |
|
21. |
subsection 393 (23) |
|
22. |
section 395 |
|
23. |
subsection 413.1 (1) |
|
24. |
subsection 417 (1) |
|
25. |
subsection 417 (2) |
|
26. |
section 439, paragraph 2 of section 1 of O. Reg. 7/00 (Unfair or Deceptive Acts or Practices) |
|
27. |
section 439, paragraph 3 of section 1 of O. Reg. 7/00 (Unfair or Deceptive Acts or Practices) |
|
28. |
section 439, paragraph 4 of section 1 of O. Reg. 7/00 (Unfair or Deceptive Acts or Practices) |
|
29. |
section 439, paragraph 5 of section 1 of O. Reg. 7/00 (Unfair or Deceptive Acts or Practices) |
|
30. |
section 439, paragraph 6 of section 1 of O. Reg. 7/00 (Unfair or Deceptive Acts or Practices) |
|
31. |
section 439, paragraph 7 of section 1 of O. Reg. 7/00 (Unfair or Deceptive Acts or Practices) |
|
32. |
section 439, paragraph 8 of section 1 of O. Reg. 7/00 (Unfair or Deceptive Acts or Practices) |
|
33. |
section 439, paragraph 9 of section 1 of O. Reg. 7/00 (Unfair or Deceptive Acts or Practices) |
|
34. |
section 439, paragraph 10 of section 1 of O. Reg. 7/00 (Unfair or Deceptive Acts or Practices) |
|
35. |
section 439, paragraph 11 of section 1 of O. Reg. 7/00 (Unfair or Deceptive Acts or Practices) |
|
36. |
section 439, paragraph 12 of section 1 of O. Reg. 7/00 (Unfair or Deceptive Acts or Practices) |
|
37. |
section 439, paragraph 13 of section 1 of O. Reg. 7/00 (Unfair or Deceptive Acts or Practices) |
|
38. |
section 439, section 2 of O. Reg. 7/00 (Unfair or Deceptive Acts or Practices) |
|
39. |
section 439, section 3 of O. Reg. 7/00 (Unfair or Deceptive Acts or Practices) |
|
40. |
section 439, section 5 of O. Reg. 7/00 (Unfair or Deceptive Acts or Practices) |
|
41. |
section 439, section 6 of O. Reg. 7/00 (Unfair or Deceptive Acts or Practices) |
|
42. |
section 439, section 5 of O. Reg. 132/97 (Variable Insurance Contracts) |
|
43. |
section 439, section 6 of O. Reg. 132/97 (Variable Insurance Contracts) |
|
44. |
section 439, section 8 of O. Reg. 132/97 (Variable Insurance Contracts) |
|
44.1 |
subsection 442.1 (5) |
|
44.2 |
subsection 442.3 (1) |
|
44.3 |
subsection 442.3 (3), but only in respect of a request under subsection 442.3 (1) |
|
44.4 |
subsection 443 (2) |
|
44.5 |
subsection 443 (3) |
|
44.6 |
subsection 443 (3.1) |
|
44.7 |
subsection 444 (6) |
|
44.8 |
subsection 446.1 (1) |
|
44.9 |
subsection 446.1 (2) |
|
45. |
clause 447 (2) (a) |
|
46. |
clause 447 (2) (a.1) |
|
47. |
clause 447 (2) (a.2) |
|
48. |
clause 447 (2) (a.3) |
|
49. |
section 2 of O. Reg 347/04 (Agents) |
|
50. |
section 12 of O. Reg. 347/04 (Agents) |
|
51. |
section 17 of O. Reg. 347/04 (Agents) |
|
52. |
subsection 2.1 (2) of O. Reg. 283/95 (Disputes Between Insurers) |
|
53. |
subsection 2.1 (3) of O. Reg. 283/95 (Disputes Between Insurers) |
|
54. |
subsection 2.1 (5) of O. Reg. 283/95 (Disputes Between Insurers) |
|
55. |
subsection 2.1 (6) of O. Reg. 283/95 (Disputes Between Insurers) |
|
56. |
subsection 2.1 (7) of O. Reg. 283/95 (Disputes Between Insurers) |
|
57. |
subsection 3.1 (2) of O. Reg. 283/95 (Disputes Between Insurers) |
O. Reg. 408/12, Sched. 1; O. Reg. 238/13, s. 1; O. Reg. 230/14, s. 3.
Note: On January 1, 2015, the day section 15 of Schedule 3 to the Fighting Fraud and Reducing Automobile Insurance Rates Act, 2014 comes into force, item 21 is revoked and the following substituted: (See: O. Reg. 262/14, ss. 1, 3)
|
21. |
subsection 392.2 (6) |
Schedule 2
general administrative penalties imposed under section 441.3 of the act — lesser maximum penalties prescribed by subsection 3 (2)
|
Item |
Provision |
|
1. |
section 105 |
|
2. |
section 106 |
|
3. |
subsection 109 (1) |
|
4. |
subsection 110 (5) |
|
5. |
section 111 |
|
6. |
section 121.15 |
|
7. |
subsection 227 (1) |
|
8. |
subsection 227 (7) |
|
9. |
section 228 |
|
10. |
subsection 232 (8) |
|
11. |
section 371 |
|
12. |
subsection 397 (7) |
|
13. |
subsection 400 (9) |
|
14. |
section 401 |
|
15. |
section 403 |
|
16. |
subsection 413.1 (2) |
|
17. |
subsection 417.0.1 (1) |
|
18. |
subsection 417.0.1 (3) |
|
19. |
section 439, section 7 of O. Reg. 132/97 (Variable Insurance Contracts) |
|
20. |
section 439, clause 9 (a) of O. Reg. 132/97 (Variable Insurance Contracts) |
|
21. |
section 439, clause 9 (b) of O. Reg. 132/97 (Variable Insurance Contracts) |
|
22. |
section 439, clause 9 (c) of O. Reg. 132/97 (Variable Insurance Contracts) |
|
23. |
section 439, section 9.1 of O. Reg. 132/97 (Variable Insurance Contracts) |
|
24. |
subsection 445 (1) |
|
25. |
subsection 445 (2) |
|
26. |
section 13 of O. Reg. 347/04 (Agents) |
|
27. |
section 16 of O. Reg. 347/04 (Agents) |
O. Reg. 408/12, Sched. 2; O. Reg. 230/14, s. 4.
schedule 2.1
general administrative penalties imposed under section 441.3 of the act — lesser maximum penalties prescribed by subsection 3 (3)
|
Item |
Provision |
|
1. |
section 3 of O. Reg. 90/14 (Service Providers — Standards for Business Systems and Practices) |
|
2. |
subsection 4 (1) of O. Reg. 90/14 (Service Providers — Standards for Business Systems and Practices) |
|
3. |
subsection 4 (2) of O. Reg. 90/14 (Service Providers — Standards for Business Systems and Practices) |
|
4. |
section 5 of O. Reg. 90/14 (Service Providers — Standards for Business Systems and Practices) |
|
5. |
section 6 of O. Reg. 90/14 (Service Providers — Standards for Business Systems and Practices) |
|
6. |
section 7 of O. Reg. 90/14 (Service Providers — Standards for Business Systems and Practices) |
|
7. |
section 8 of O. Reg. 90/14 (Service Providers — Standards for Business Systems and Practices) |
|
8. |
subsection 9 (1) of O. Reg. 90/14 (Service Providers — Standards for Business Systems and Practices) |
|
9. |
subsection 10 (1) of O. Reg. 90/14 (Service Providers — Standards for Business Systems and Practices) |
|
10. |
section 11 of O. Reg. 90/14 (Service Providers — Standards for Business Systems and Practices) |
|
11. |
section 12 of O. Reg. 90/14 (Service Providers — Standards for Business Systems and Practices) |
|
12. |
section 13 of O. Reg. 90/14 (Service Providers — Standards for Business Systems and Practices) |
|
13. |
section 13.1 of O. Reg. 90/14 (Service Providers — Standards for Business Systems and Practices) |
|
14. |
section 14 of O. Reg. 90/14 (Service Providers — Standards for Business Systems and Practices) |
|
15. |
section 15 of O. Reg. 90/14 (Service Providers — Standards for Business Systems and Practices) |
|
16. |
subsection 16 (2) of O. Reg. 90/14 (Service Providers — Standards for Business Systems and Practices) |
|
17. |
section 17 of O. Reg. 90/14 (Service Providers — Standards for Business Systems and Practices) |
|
18. |
section 18 of O. Reg. 90/14 (Service Providers — Standards for Business Systems and Practices) |
|
19. |
section 2 of O. Reg. 349/13 (Service Providers — Principal Representatives) |
O. Reg. 230/14, s. 5.
Schedule 3
Summary Administrative Penalties Imposed under Section 441.4 of the Act — Prescribed Penalty
|
Item |
Column 1 — Provision |
Column 2 — Penalty |
|
1. |
subsection 35 (2) |
$1,000 |
|
2. |
section 51 |
$1,000 |
|
3. |
subsection 54 (7) |
$1,000 |
|
4. |
subsection 101 (4) |
$1,000 |
|
5. |
section 121.5 |
$1,000 |
|
6. |
subsection 121.8 (2) |
$1,000 |
|
7. |
section 121.10 |
$1,000 |
|
8. |
section 121.11 |
$1,000 |
|
9. |
section 147 |
$1,000 |
|
10. |
subsection 174 (4) |
$1,000 |
|
11. |
section 177 |
$1,000 |
|
12. |
subsection 229 (1) |
$1,000 |
|
13. |
subsection 230 (1) |
$1,000 |
|
14. |
subsection 230 (2) |
$1,000 |
|
15. |
subsection 230 (3) |
$1,000 |
|
16. |
subsection 232 (5.2) |
$1,000 |
|
17. |
section 232.1 |
$1,000 |
|
18. |
subsection 236 (1) |
$3,000 |
|
19. |
subsection 236 (2) |
$3,000 |
|
20. |
subsection 236 (3) |
$3,000 |
|
21. |
subsection 346 (1) |
$1,000 |
|
22. |
section 355 |
$1,000 |
|
23. |
subsection 393 (7) |
$1,000 |
|
24. |
subsection 399 (2) |
$3,000 |
|
25. |
subsection 399 (3) |
$3,000 |
|
26. |
subsection 414 (2.1) |
$1,000 |
|
27. |
section 5.1 of O. Reg. 347/04 (Agents) |
$1,000 |
|
28. |
subsection 10 (1) of O. Reg. 347/04 (Agents) |
$1,000 |
|
29. |
subsection 11 (1) of O. Reg. 347/04 (Agents) |
$3,000 |
|
30. |
section 14 of O. Reg. 347/04 (Agents) |
$1,000 |
|
31. |
subsection 15 (1) of O. Reg. 347/04 (Agents) |
$3,000 |
|
32. |
subsection 15 (2) of O. Reg. 347/04 (Agents) |
$3,000 |
|
33. |
subsection 3 (5.1) of Reg. 664, R.R.O. 1990 (Automobile Insurance) |
$1,000 |
|
34. |
subsection 3 (6) of Reg. 664 of R.R.O. 1990 (Automobile Insurance) |
$1,000 |
|
35. |
subsection 17 (1.1) of Reg. 664 of R.R.O. 1990 (Automobile Insurance) |
$1,000 |
|
36. |
subsection 17 (2) of Reg. 664 of R.R.O. 1990 (Automobile Insurance) |
$1,000 |
|
37. |
subsection 17 (3) of Reg. 664 of R.R.O. 1990 (Automobile Insurance) |
$1,000 |
|
38. |
subsection 17 (4) of Reg. 664 of R.R.O. 1990 (Automobile Insurance) |
$1,000 |
|
39. |
subsection 17 (6) of Reg. 664 of R.R.O. 1990 (Automobile Insurance) |
$1,000 |
|
40. |
subsection 2 (1) of Reg. 674 of R.R.O. 1990 (Replacement of Life Insurance Contracts) |
$1,000 |
|
41. |
subsection 2 (2) of Reg. 674 of R.R.O. 1990 (Replacement of Life Insurance Contracts) |
$1,000 |
|
42. |
subsection 2 (3) of Reg. 674 of R.R.O. 1990 (Replacement of Life Insurance Contracts) |
$1,000 |
|
43. |
subsection 2 (4) of Reg. 674 of R.R.O. 1990 (Replacement of Life Insurance Contracts) |
$1,000 |
|
44. |
section 2.1 of Reg. 674 of R.R.O. 1990 (Replacement of Life Insurance Contracts) |
$1,000 |
|
45. |
section 2.2 of Reg. 674 of R.R.O. 1990 (Replacement of Life Insurance Contracts) |
$1,000 |
|
46. |
subsection 3 (1) of Reg. 674 of R.R.O. 1990 (Replacement of Life Insurance Contracts) |
$1,000 |
|
47. |
subsection 3 (2) of Reg. 674 of R.R.O. 1990 (Replacement of Life Insurance Contracts) |
$1,000 |
|
48. |
subsection 3.1 (1) of Reg. 674 of R.R.O. 1990 (Replacement of Life Insurance Contracts) |
$1,000 |
|
49. |
subsection 3.1 (2) of Reg. 674 of R.R.O. 1990 (Replacement of Life Insurance Contracts) |
$1,000 |
|
50. |
section 19 of O. Reg. 90/14 (Service Providers — Standards for Business Systems and Practices) |
$250 |
|
51. |
subsection 20 (1) of O. Reg. 90/14 (Service Providers — Standards for Business Systems and Practices) |
$250 |
|
52. |
subsection 20 (2) of O. Reg. 90/14 (Service Providers — Standards for Business Systems and Practices) |
$250 |
|
53. |
subsection 21 (1) of O. Reg. 90/14 (Service Providers — Standards for Business Systems and Practices) |
$1,000 |
|
54. |
subsection 21 (2) of O. Reg. 90/14 (Service Providers — Standards for Business Systems and Practices) |
$1,000 |
O. Reg. 408/12, Sched. 3; O. Reg. 230/14, s. 6.
Note: On January 1, 2015, the day section 15 of Schedule 3 to the Fighting Fraud and Reducing Automobile Insurance Rates Act, 2014 comes into force, item 23 is revoked and the following substituted: (See: O. Reg. 262/14, ss. 2 (1), 3)
|
23. |
subsection 392.6 (4) |
$1,000 |
Note: On January 1, 2015, the day section 15 of Schedule 3 to the Fighting Fraud and Reducing Automobile Insurance Rates Act, 2014 comes into force, item 24 is revoked. (See: O. Reg. 262/14, ss. 2 (2), 3)
Schedule 4
Summary Administrative Penalties Imposed under Section 441.4 of the Act — Daily Penalty
|
Item |
Provision |
|
1. |
subsection 101 (1) |
|
2. |
subsection 101 (2) |
|
3. |
section 101.1 |
|
4. |
clause 102 (1) (a) |
|
5. |
clause 102 (1) (b) |
|
6. |
subsection 102 (3) |
|
7. |
subsection 121.13 (3) |
O. Reg. 408/12, Sched. 4.