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Vol. 136, No. 21 — May 25, 2002 Regulations Amending the Credit Information (Insurance Companies) RegulationsStatutory Authority Insurance Companies Act Sponsoring Department Department of Finance REGULATORY IMPACT ANALYSIS STATEMENT Description The Canadian financial services sector has been undergoing rapid change for the better part of a decade. In 1996, the federal government created the Task Force on the Future of the Canadian Financial Services Sector (the Task Force) to review and advise on the nature of change taking place in the sector. In 1998, the Task Force issued a report that included numerous conclusions and recommendations. These findings were carefully reviewed by committees of both the House of Commons and the Senate. These committees largely endorsed the findings of the Task Force. Based on the work of the Task Force and the parliamentary committees, the federal government issued a policy paper in June 1999 entitled Reforming Canada's Financial Services Sector: A Framework for the Future. This document served as the policy foundation for Bill C-8, An Act to Establish the Financial Consumer Agency of Canada and to Amend Certain Acts in Relation to Financial Institutions (FCA Act). Bill C-8 received royal assent on June 14, 2001. The FCA Act provides for significant amendments to the laws governing federal financial institutions. As an integrated package, the amendments brought about by the FCA Act promote efficiency and growth in the financial services sector, foster domestic competition, empower and protect consumers of financial services, and improve the regulatory environment for financial institutions. A key characteristic of the FCA Act is the use of regulations to provide for a more flexible regulatory framework for the financial sector. This measure allows the Government to make modest policy adjustments to the framework in response to significant changes taking place in the global environment in which financial institutions operate. Many regulations are being proposed or modified to achieve this policy objective of creating a more flexible regulatory regime. The remaining amendments bring existing regulations in line with changes made to the financial institutions statutes under the FCA Act. This is the seventh of several packages of regulations that will be brought forward to complete the policy intent of the FCA Act. The first package of regulations was published in Part II of the Canada Gazette on October 24, 2001, the second on November 21, 2001, the third on March 13, 2002, and the fourth on April 10, 2002. The fifth package was prepublished in Part I of the Canada Gazette on March 16, 2002, and the sixth on April 13, 2002. This document discusses the regulatory impact of the following proposed new Regulations: Regulations Amending the Credit Information (Insurance Companies) Regulations The Insurance Companies Act contains a regulation-making authority respecting customer information. The relevant Regulations restrict insurance companies from using credit information to promote insurance. The existing Regulations are being amended to ensure that prohibitions on the sharing of credit-related information by insurance companies reflect the structural arrangements that will be permitted under the new holding company regime. The restrictions on an insurance company sharing credit information have been extended to affiliates that are not subsidiaries to ensure they apply in the context of a holding company structure. Regulations Amending the Insurance Business (Banks) Regulations, Regulations Amending the Insurance Business (Authorized Foreign Bank) Regulations, and Regulations Amending the Insurance Business (Trust and Loan Companies) Regulations The legislative restriction on the insurance business activities of banks and authorized foreign banks contained in the Bank Act are subject to regulations. This is also true of the legislative restrictions on the insurance business activities of trust and loan companies under the Trust and Loan Companies Act. The relevant Regulations are being amended to ensure that the current permitted and prohibited activities of these types of financial institutions extend to the structural arrangements that are permitted under the new holding company regime. Whereas a bank could previously administer group insurance policies for its employees and employees of entities in which it had a substantial investment, they would now be able to administer, for example, such policies for employees of its parent bank holding company. It is expected that another 25 regulations will be brought forward for publication within the next few months. These remaining regulations will complete the policy package envisaged by the June 1999 policy paper and the FCA Act. Alternatives The enclosed Regulations are required in order to bring the policy intent underlying the FCA Act into effect. They are required to round out the implementation of the new policy framework, as outlined in the description. As such, no alternatives to the Regulations were considered. Benefits and Costs The enclosed Regulations are integral to the overall policy objectives of the FCA Act. As such, their cost-benefit justification cannot be separated from the overall costs and benefits of the legislative package itself. The FCA Act provides an improved regulatory structure that balances the competing interests of stakeholders. While individual legislative measures may impose some burden on a particular stakeholder group, there are overall net benefits for all stakeholders. For example: — Consumers benefit from strengthened consumer protection measures, a more transparent complaints handling process, and the advantages brought about by increased competition. — Financial institutions may face modestly increased regulation through enhanced regulatory rules and a strengthened consumer protection regime. However, they benefit from greater organizational flexibility and broader powers. The Financial Consumer Agency of Canada (FCAC) that will be created is expected to have an annual budget of about $7 million, the cost of which will be passed on to financial institutions in the form of allocated assessment. — The Office of the Superintendent of Financial Institutions (OSFI) may face moderately increased regulatory challenges as a result of provisions intended to encourage new entrants, but the potential cost is offset by improved prudential regulatory powers and increased competition. The exact cost implications for OSFI of the legislative package are not easily calculable. The transfer of responsibility for administering the consumer provisions of the financial institutions legislation to the FCAC will reduce OSFI's costs. The relaxed new entrant requirements may increase OSFI's workload and costs, some of which will be borne by the new entrants. However, the streamlined approval process will reduce the cost of regulation and cost burden directly borne by financial institutions. In all, it is expected that OSFI's cost of regulation will not increase substantially. Each of the Regulations included in this and subsequent packages is intended to implement a specific aspect of the overall policy structure introduced by the FCA Act. The Regulations may either be beneficial, or cost/benefit neutral, or may impose a burden on one or more relevant stakeholder groups. Since the weighing of costs and benefits has been done at the legislative level, the Regulations must be examined in light of their contribution to the balance of the overall policy framework that was approved in the FCA Act. Consultation The FCA Act and its related Regulations are part of a policy development process dating back to 1996. At every stage of the process, stakeholders have been consulted. More recently, working drafts of the enclosed Regulations were shared with stakeholders and, wherever feasible, their comments have been reflected in revisions. The following organizations were consulted: — Action Réseau Consommateur (Fédération nationale des associations de consommateurs du Québec) — The Montreal Stock Exchange — Canadian Bankers Association — Canadian Community Reinvestment Coalition — Canadian Life and Health Insurance Association Inc. — Canadian Securities Administrators — ComTel (TelPay) — Consumers' Association of Canada — CPA Stakeholders Advisory Council — Credit Union Central of Canada — Democracy Watch — Fédération des caisses Desjardins — Insurance Bureau of Canada — Insurance Consumer's Group — Interac Association — Investment Dealers Association of Canada — Investment Funds Institute of Canada — Mutual Fund Dealers Association — National Anti-Poverty Organization — Option Consommateurs — Public Interest Advocacy Centre — Service d'aide aux consommateurs/Consumer Aid Services Compliance and Enforcement The Office of the Superintendent of Financial Institutions will be responsible for ensuring compliance with prudential aspects of the Regulations. The FCAC will be responsible for ensuring compliance with consumer-related Regulations. Contact Gerry Salembier, Director, Financial Institutions Division, Financial Sector Policy Branch, Department of Finance, L'Esplanade Laurier, 15th Floor, East Tower, 140 O'Connor Street, Ottawa, Ontario K1A 0G5, (613) 992-1631 (Telephone), (613) 943-1334 (Facsimile). PROPOSED REGULATORY TEXT Notice is hereby given that the Governor in Council, pursuant to sections 489 (see footnote a) and 607 (see footnote b) of the Insurance Companies Act (see footnote c) , proposes to make the annexed Regulations Amending the Credit Information (Insurance Companies) Regulations. Interested persons may make representations with respect to the proposed Regulations within 30 days after the date of publication of this notice. All such representations must cite the Canada Gazette, Part I, and the date of publication of this notice, and be addressed to Mr. Gerry Salembier, Financial Sector Policy Branch, Department of Finance, 15th Floor, East Tower, L'Esplanade Laurier, 140 O'Connor Street, Ottawa, Ontario K1A 0G5. Ottawa, May 23, 2002
EILEEN BOYD
REGULATIONS AMENDING THE CREDIT INFORMATION (INSURANCE COMPANIES) REGULATIONS AMENDMENT 1. Subsection 5(1) of the Credit Information (Insurance Companies) Regulations (see footnote 1) is amended by striking out the word "or" at the end of paragraph (a), by adding the word "or" at the end of paragraph (b) and by adding the following after paragraph (b): (c) provide any of its affiliates that are not subsidiaries of the company or foreign company with credit information unless the company or foreign company ensures that the affiliate does not directly or indirectly provide the information to an insurance company or insurance agent or broker. COMING INTO FORCE 2. These Regulations come into force on the day on which they are registered. [21-1-o] Regulations Amending the Insurance Business (Authorized Foreign Banks) RegulationsStatutory Authority Bank Act Sponsoring Department Department of Finance REGULATORY IMPACT ANALYSIS STATEMENT For the Regulatory Impact Analysis Statement, see Regulations Amending the Credit Information (Insurance Companies) Regulations. PROPOSED REGULATORY TEXT Notice is hereby given that the Governor in Council, pursuant to section 549 of the Bank Act (see footnote d) , proposes to make the annexed Regulations Amending the Insurance Business (Authorized Foreign Banks) Regulations. Interested persons may make representations with respect to the proposed Regulations within 30 days after the date of publication of this notice. All such representations must cite the Canada Gazette, Part I, and the date of publication of this notice, and be addressed to Mr. Gerry Salembier, Financial Sector Policy Branch, Department of Finance, 15th Floor, East Tower, L'Esplanade Laurier, 140 O'Connor Street, Ottawa, Ontario K1A 0G5. Ottawa, May 23, 2002 EILEEN BOYD Assistant Clerk of the Privy Council REGULATIONS AMENDING THE INSURANCE BUSINESS (AUTHORIZED FOREIGN BANKS) REGULATIONS AMENDMENTS 1. Section 1 of the Insurance Business (Authorized Foreign Banks) Regulations (see footnote 2) is amended by adding the following in alphabetical order: "Act" means the Bank Act. (Loi) 2. Subsection 2(2) of the Regulations is replaced by the following: (2) An authorized foreign bank may administer a group insurance policy for (a) its employees or the employees of an entity that it holds control of, or a substantial investment in, under section 522.07 or 522.08 or subsection 522.32(1) or (3) of the Act; (b) the employees of an entity that an affiliate of the authorized foreign bank holds control of, or a substantial investment in, under section 522.07 or 522.08 or subsection 522.32(1) or (3) of the Act; and (c) the employees in Canada of an affiliate of the authorized foreign bank that is an entity referred to in section 522.17 or 522.18 of the Act and that carries on a business described in one of those sections. 3. Subsection 6(1) of the Regulations is amended by deleting the word "or" at the end of paragraph (b) and by adding the following after paragraph (b): (b.1) provide an affiliate of the authorized foreign bank that is not a subsidiary of the authorized foreign bank with information unless the authorized foreign bank ensures that the affiliate does not directly or indirectly provide the information to an insurance company, agent or broker if the information is in respect of
(ii) an employee of a customer of the authorized foreign bank in Canada, (iii) where a customer of the authorized foreign bank is an entity with members in Canada, any such member, (iv) where a customer of the authorized foreign bank is a partnership with partners in Canada, any such partner; or COMING INTO FORCE 4. These Regulations come into force on the day on which they are registered. [21-1-o] Regulations Amending the Insurance Business (Banks) RegulationsStatutory Authority Bank Act Sponsoring Department Department of Finance REGULATORY IMPACT ANALYSIS STATEMENT For the Regulatory Impact Analysis Statement, see Regulations Amending the Credit Information (Insurance Companies) Regulations. PROPOSED REGULATORY TEXT Notice is hereby given that the Governor in Council, pursuant to sections 416 (see footnote e) and 936 (see footnote f) of the Bank Act (see footnote g) , proposes to make the annexed Regulations Amending the Insurance Business (Banks) Regulations. Interested persons may make representations with respect to the proposed Regulations within 30 days after the date of publication of this notice. All such representations must cite the Canada Gazette, Part I, and the date of publication of this notice, and be addressed to Mr. Gerry Salembier, Financial Sector Policy Branch, Department of Finance, 15th Floor, East Tower, L'Esplanade Laurier, 140 O'Connor Street, Ottawa, Ontario K1A 0G5. Ottawa, May 23, 2002
EILEEN BOYD
REGULATIONS AMENDING THE INSURANCE BUSINESS (BANKS) REGULATIONS AMENDMENTS 1. The long title of the Insurance Business (Banks) Regulations (see footnote 3) is replaced by the following: INSURANCE BUSINESS (BANKS AND BANK HOLDING COMPANIES) REGULATIONS 2. Section 1 of the Regulations and the heading before it are repealed. 3. Section 2 of the Regulations is amended by adding the following in alphabetical order: "Act" means the Bank Act. (Loi) 4. Subsection 4(2) of the Regulations is replaced by the following: (2) A bank may administer a group insurance policy for (a) its employees or the employees of an entity that the bank holds control of, or a substantial investment in, under section 468 of the Act; (b) the employees of
(ii) an entity that the other bank or the bank holding company, referred to in subparagraph (i), holds control of, or a substantial investment in, under section 468 or 930 of the Act; (d) the employees in Canada of an authorized foreign bank that is an affiliate of the bank; and (e) if the bank is controlled by a foreign bank, the employees in Canada of an affiliate of the foreign bank that is an entity referred to in section 522.17 or 522.18 of the Act and that carries on a business described in one of those sections. 5.(1) The portion of subsection 8(1) of the French version of the Regulations before paragraph a) is replaced by the following: 8. (1) Il est interdit à la banque : (2) Subsection 8(1) of the Regulations is amended by deleting the word "or" at the end of paragraph (b) and by adding the following after paragraph (b): (b.1) provide an affiliate of the bank that is not a subsidiary of the bank with information unless the bank ensures that the affiliate does not directly or indirectly provide the information to an insurance company, agent or broker if the information is in respect of
(ii) an employee of a customer of the bank in Canada, (iii) where a customer of the bank is an entity with members in Canada, any such member, (iv) where a customer of the bank is a partnership with partners in Canada, any such partner; or 6. The Regulations are amended by adding the following after section 8: 8.1 (1) No bank holding company shall control a trust or loan corporation incorporated by or under an Act of the legislature of a province if the trust or loan corporation directly or indirectly provides an insurance company, agent or broker with any information in respect of (a) a customer of the trust or loan corporation in Canada; (b) an employee in Canada of a customer of the trust or loan corporation; (c) where a customer of the trust or loan corporation is an entity with members in Canada, any such member; or (d) where a customer of the trust or loan corporation is a partnership with partners in Canada, any such partner. (2) Subsection (1) does not apply in respect of a bank holding company or a trust or loan corporation if (a) the bank holding company or the trust or loan corporation has established procedures to ensure that the information referred to in that subsection will not be used by an insurance company, agent or broker to promote in Canada
(ii) an insurance policy or a service in respect of an insurance policy; and (b) the insurance company, agent or broker, as the case may be, has given an undertaking to the bank holding company or to the trust or loan corporation, in a form acceptable to the Superintendent, that the information will not be used to promote in Canada
(ii) an insurance policy or a service in respect of an insurance policy. COMING INTO FORCE 7. These Regulations come into force on the day on which they are registered. [21-1-o] Regulations Amending the Insurance Business (Trust and Loan Companies) RegulationsStatutory Authority Trust and Loan Companies Act Sponsoring Department Department of Finance REGULATORY IMPACT ANALYSIS STATEMENT For the Regulatory Impact Analysis Statement, see Regulations Amending the Credit Information (Insurance Companies) Regulations. PROPOSED REGULATORY TEXT Notice is hereby given that the Governor in Council, pursuant to section 416 of the Trust and Loan Companies Act (see footnote h) , proposes to make the annexed Regulations Amending the Insurance Business (Trust and Loan Companies) Regulations. Interested persons may make representations with respect to the proposed Regulations within 30 days after the date of publication of this notice. All such representations must cite the Canada Gazette, Part I, and the date of publication of this notice, and be addressed to Mr. Gerry Salembier, Financial Sector Policy Branch, Department of Finance, 15th Floor, East Tower, L'Esplanade Laurier, 140 O'Connor Street, Ottawa, Ontario K1A 0G5. Ottawa, May 23, 2002
EILEEN BOYD
REGULATIONS AMENDING THE INSURANCE BUSINESS (TRUST AND LOAN COMPANIES) REGULATIONS AMENDMENTS 1. The long title of the Insurance Business (Trust and Loan Companies) Regulations (see footnote 4) is replaced by the following: INSURANCE BUSINESS (TRUST AND LOAN COMPANIES) REGULATIONS 2. Section 1 of the Regulations and the heading before it are repealed. 3. Section 2 of the Regulations is amended by adding the following in alphabetical order: "Act" means the Trust and Loan Companies Act. (Loi) 4. Subsection 4(2) of the Regulations is replaced by the following: (2) A company may administer a group insurance policy for (a) its employees or the employees of an entity that the company holds control of, or a substantial investment in, under section 453 of the Act; (b) the employees of another company that controls the company or of an entity that the other company holds control of, or a substantial investment in, under section 453 of the Act; (c) the employees of
(ii) an entity that the bank or the bank holding company, referred to in subparagraph (i), holds control of, or a substantial investment in, under section 468 or 930 of the Bank Act; (d) the employees of an entity that an affiliate of the company holds control of, or a substantial investment in, in accordance with section 522.07 or 522.08 or subsection 522.32(1) or (3) of the Bank Act; (e) the employees in Canada of an authorized foreign bank that is an affiliate of the company; and (f) if the company is controlled by a foreign bank, the employees in Canada of an affiliate of the foreign bank that is an entity referred to in section 522.17 or 522.18 of the Bank Act and that carries on a business described in one of those sections. 5. Subsection 8(1) of the Regulations is amended by deleting the word "or" at the end of paragraph (b) and by adding the following after paragraph (b): (b.1) provide an affiliate of the company that is not a subsidiary of the company with information unless the company ensures that the affiliate does not directly or indirectly provide the information to an insurance company, agent or broker if the information is in respect of
(ii) an employee of a customer of the company in Canada, (iii) where a customer of the company is an entity with members in Canada, any such member, (iv) where a customer of the company is a partnership with partners in Canada, any such partner; or COMING INTO FORCE 6. These Regulations come into force on the day on which they are registered. [21-1-o] Regulations Amending the Income Tax Regulations (2001 Drought Regions)Statutory Authority Income Tax Act Sponsoring Department Department of Finance REGULATORY IMPACT ANALYSIS STATEMENT Description Section 80.3 of the Income Tax Act permits farmers who dispose of animals in their breeding herds due to drought conditions existing in a prescribed drought region in a year to exclude a portion of the sale proceeds from their taxable income until the following year, or the year following a consecutive series of drought years, as the case may be. As a result, the full amount of the proceeds eligible for the deferral will be available to replenish their herds at that time. Prescribed drought regions are those regions of Canada that are designated, on the advice of the Minister of Agriculture and Agri-food, as suffering from drought conditions during a year. The Regulations Amending the Income Tax Regulations (2001 Drought Regions) [the Regulations], which amend section 7305 of the Income Tax Regulations, prescribe the regions that are eligible drought regions in 2001. As a result, a taxpayer who carried on a farming business in a prescribed drought region during the 2001 taxation year will, subject to applicable rules, be entitled to tax relief for that year under section 80.3 of the Income Tax Act. Alternatives These Regulations are necessary to prescribe drought regions for 2001 that are eligible. The regions prescribed for 2001 were determined by the Minister of Agriculture and Agri-food to have suffered from drought conditions in that year. Benefits and Costs These amending Regulations will allow farmers in the prescribed drought regions to defer income from sales of breeding animals in 2001 until a subsequent year. The portion of the sale proceeds, which can be deferred by a farmer, increases with the percentage of the farmer's herd which has been sold. In this manner, the tax deferral program is targeted at those farmers most severely disadvantaged by drought conditions. Consultation This list of prescribed regions was developed through consultations held by Agriculture and Agri-food Canada with various parties, including provincial agriculture and municipal affairs departments, municipalities, farmers' associations, and crop insurers. In addition, Canadians were given an opportunity to comment on the regions to be prescribed for 2001 following the publication, by Agriculture and Agri-food Canada, of two news releases on July 12, 2001, ten news releases on December 14, 2001, and one news release on February 4, 2002. These releases concern initial and final designations for 2001 and are available at: http://www.agr.gc.ca/cb/news/2001/12_e.phtml. Compliance and Enforcement The Income Tax Act provides the necessary compliance mechanisms. These mechanisms allow the Minister of National Revenue to assess and reassess tax payable, conduct audits and seize relevant records and documents. Contact Kerry Harnish, Tax Legislation Division, Department of Finance, L'Esplanade Laurier, 140 O'Connor Street, Ottawa, Ontario K1A 0G5, (613) 992-4385. PROPOSED REGULATORY TEXT Notice is hereby given that the Governor in Council, pursuant to section 221 (see footnote i) of the Income Tax Act (see footnote j) , proposes to make the annexed Regulations Amending the Income Tax Regulations (2001 Drought Regions). Interested persons may make representations with respect to the proposed Regulations within 30 days after the date of publication of this notice. All such representations must cite the Canada Gazette, Part I, and the date of publication of this notice, and be addressed to Kerry Harnish, Tax Legislation Division, Department of Finance, L'Esplanade Laurier, 17th Floor, East Tower, 140 O'Connor Street, Ottawa, Canada, K1A 0G5. Ottawa, May 23, 2002
EILEEN BOYD
REGULATIONS AMENDING THE INCOME TAX REGULATIONS (2001 DROUGHT REGIONS) 1. Section 7305 of the Income Tax Regulations (see footnote 5) is amended by deleting the word "and" at the end of paragraph (d), by adding the word "and" at the end of paragraph (e) and by adding the following after paragraph (e): (f) the 2001 calendar year are
(ii) in Quebec, the Magdalen Islands, (iii) in Nova Scotia, the Counties of Annapolis, Antigonish, Cape Breton, Colchester, Cumberland, Digby, Hants, Inverness, Kings, Pictou, Richmond and Victoria, (iv) in New Brunswick, the Counties of Albert, Kent and Westmorland, (v) in Manitoba, the Rural Municipality of Kelsey, (vi) in British Columbia, the Regional Districts of Central Kootenay, East Kootenay, Kootenay Boundary and Okanagan-Similkameen, (vii) Prince Edward Island, (viii) in Saskatchewan, the Rural Municipalities of Aberdeen, Abernethy, Antelope Park, Arborfield, Arlington, Arm River, Auvergne, Baildon, Barrier Valley, Battle River, Bayne, Beaver River, Bengough, Big Arm, Big Quill, Big River, Big Stick, Biggar, Birch Hills, Bjorkdale, Blaine Lake, Blucher, Bone Creek, Bratt's Lake, Britannia, Brokenshell, Buchanan, Buckland, Buffalo, Calder, Caledonia, Cana, Canaan, Canwood, Carmichael, Caron, Chaplin, Chester, Chesterfield, Churchbridge, Clayton, Clinworth, Colonsay, Connaught, Corman Park, Cote, Coteau, Coulee, Craik, Cupar, Cut Knife, Deer Forks, Douglas, Duck Lake, Dufferin, Dundurn, Eagle Creek, Edenwold, Elcapo, Eldon, Elfros, Elmsthorpe, Emerald, Enfield, Enterprise, Excel, Excelsior, Eye Hill, Eyebrow, Fertile Valley, Fish Creek, Flett's Springs, Foam Lake, Fox Valley, Francis, Frenchman Butte, Frontier, Garden River, Garry, Glen Bain, Glen Mcpherson, Glenside, Good Lake, Grandview, Grant, Grass Lake, Grassy Creek, Gravelbourg, Grayson, Great Bend, Gull Lake, Happy Valley, Happyland, Harris, Hart Butte, Hazel Dell, Heart's Hill, Hillsborough, Hillsdale, Hoodoo, Hudson Bay, Humboldt, Huron, Indian Head, Insinger, Invergordon, Invermay, Ituna Bon Accord, Kellross, Kelvington, Key West, Keys, Kindersley, King George, Kingsley, Kinistino, Kutawa, Lac Pelletier, Lacadena, Laird, Lajord, Lake Johnston, Lake Lenore, Lake of The Rivers, Lakeland, Lakeside, Lakeview, Last Mountain Valley, Lawtonia, Leask, Leroy, Lipton, Livingston, Lone Tree, Longlaketon, Loon Lake, Loreburn, Lost River, Lumsden, Manitou Lake, Mankota, Maple Bush, Maple Creek, Mariposa, Marquis, Marriott, Mayfield, Mccraney, Mckillop, McLeod, Meadow Lake, Medstead, Meeting Lake, Meota, Mervin, Milden, Milton, Miry Creek, Monet, Montmartre, Montrose, Moose Jaw, Moose Range, Morris, Morse, Mount Hope, Mountain View, Newcombe, Nipawin, North Battleford, North Qu'Appelle, Norton, Oakdale, Old Post, Orkney, Paddockwood, Parkdale, Paynton, Pense, Perdue, Piapot, Pinto Creek, Pittville, Pleasant Valley, Pleasantdale, Ponass Lake, Poplar Valley, Porcupine, Prairie Rose, Prairiedale, Preeceville, Prince Albert, Progress, Redberry, Redburn, Reford, Reno, Riverside, Rodgers, Rosedale, Rosemount, Rosthern, Round Hill, Round Valley, Rudy, Saltcoats, Sarnia, Saskatchewan Landing, Sasman, Scott, Senlac, Shamrock, Shellbrook, Sherwood, Sliding Hills, Snipe Lake, South Qu'Appelle, Spalding, Spiritwood, St. Andrews, St. Louis, St. Peter, St. Philips, Stanley, Star City, Stonehenge, Surprise Valley, Sutton, Swift Current, Terrell, The Gap, Three Lakes, Tisdale, Torch River, Touchwood, Tramping Lake, Tullymet, Turtle River, Usborne, Val Marie, Vanscoy, Victory, Viscount, Wallace, Waverley, Webb, Wheatlands, Whiska Creek, White Valley, Willner, Willow Bunch, Willow Creek, Wilton, Winslow, Wise Creek, Wolseley, Wolverine, Wood Creek, Wood River and Wreford, (ix) Alberta, and (x) in Newfoundland and Labrador, the island of Newfoundland. [21-1-o] S.C. 1997, c. 15, s. 263 S.C. 1997, c. 15, s. 314 S.C. 1991, c. 47 SOR/97-11 S.C. 1991, c. 46 SOR/99-270 S.C. 1997, c. 15, s. 45 S.C. 2001, c. 9, s. 183 S.C. 1991, c. 46 SOR/92-330 S.C. 1991, c. 45 SOR/92-331 S.C. 2000, c. 12, s. 142 (Sch. 2, par. 1 (z. 34)) R.S., c. 1 (5th Supp.) C.R.C., c. 945 |
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