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Consolidated Statutes and Regulations Enabling Statute: Cooperative Credit Associations Act Cost of Borrowing (Retail Associations) Regulations (SOR/2002-263) Disclaimer: These documents are not the official versions (more). Full Document for Printing [45K] Search: Cost of Borrowing (Retail Associations) Regulations Go to Advanced Search Table of content   COST OF BORROWING (RETAIL ASSOCIATIONS) REGULATIONS   INTERPRETATION   APPLICATION   COST OF BORROWING   Calculation   Annual Interest Rate   Included and Excluded Charges   DISCLOSURE -- GENERAL   Manner   Timing of Initial Disclosure   DISCLOSURE -- CONTENT   Fixed Interest Loans for a Fixed Amount   Variable Interest Loans for a Fixed Amount   Lines of Credit   Credit Card Applications   Credit Cards   CHANGES IN CIRCUMSTANCES   Amendments to Credit Agreements   Renewals of Mortgages or Hypothecs   Waiver of Payments   Cancellation of Optional Services   Prepayment of Loans   Default Charges   ADVERTISING   Loans for a Fixed Amount   Lines of Credit   Credit Cards   Interest-free Periods   TRANSITIONAL   COMING INTO FORCE

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