Pay Day Loans Documents

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In the matter of a hearing respecting certain aspects of the Consumer Protection Act relating to payday loans. In particular, the Board will be setting the maximum cost of borrowing and fees, including charges for extensions or renewals, relating to loans up to $1,500 granted for periods of 62 days or less.

Any party having difficulty accessing  these documents can view them at the Offices of the Board, or an electronic copy can be sent to you upon request.

BOARD NOTICES, DIRECTIVES, AND OTHER INFORMATION:

• Notice - Payday Loan Hearing
• Order - Payday Loans Timetable
• Order - Loan documents and rate information, SNSMR
• List - Formal Intervenors
• List - Final Issues
• List of Exhibits, Witnesses, Undertakings PD-07-001 as of July 14, 2008
• Decision - Pay Day Loans 2008

EVIDENCE FILED by FORMAL INTERVENORS
Canadian Payday Loan Association ("CPLA"):

• PD-4 CPLA Report and Appendices 1
• PD-5 CPLA Report and Appendices 2
• PD-6 Pollara Report  (and the DVD - Pollara Focus Group dated Nov. 9, 2007 is also available for viewing at the NSUARB Offices.)
• PD-7 Ernest and Young Report Part I
• PD-8 Ernest and Young Report Part II 
• PD-9 Deloitte and Touche Report
• PD-10 Gould Report
• PD-13 CPLA response to IR-1 to IR-16 from the Cash Store Inc. and Assistive Financial Corp.
• PD-14 CPLA response to IR-8 "Attachment" from the Cash Store Inc. and Assistive Financial Corp.
• PD-15 CPLA response to IR's from the Board
• PD-15A CPLA response to IR-2 "Attachment" from the Board
• PD-16 CPLA response to IR-10(e) "Attachment" from the Board
• PD-17 CPLA response to IR-10(f) "Attachment" from the Board
• PD-24 CPLA Rebuttal Evidence - Appendix 1 - Manitoba Pollara Survey
• PD-25 CPLA Rebuttal Evidence - Appendix 2 - British Columbia Pollara Survey
• PD-26 CPLA Rebuttal Evidence - Appendix 3 - Ontario Pollara Survey
• PD-31 Opening Statement by John Stringer, QC for Canadian Payday Loans Association
• PD-32 CV of the Hon. Stan Keyes filed by the CPLA
• PD-33 CV of Norman Bishop filed by the CPLA
• PD-34 Opening Statement of Hon. Stan Keyes for CPLA
• PD-35 Opening Statement of Norman Bishop for CPLA
• PD-36 CV of Dr. Lawrence Gould filed by the CPLA
• PD-37 Opening Statement of Dr. Lawrence Gould (Power Point Presentation)
• PD-39 Consolidated list of POLLARA Survey Questions, submitted by John Stringer, QC
• PD-40 CV of Dean Schinkel, CA, CBV
• PD-41 Opening Statement of Dean Schinkel
• PD-58 Written Submission filed by CPLA
• PD-65 Rebuttal Submission filed by CPLA
• PD-70 Written Submission regarding the Manitoba PUB Decision filed by CPLA
• PD-74 Letter regarding the Manitoba PUB Payday Loadn Decision filed by CPLA
• PD-81 Submission regarding Manitoba PUB Decision regarding Reconsideration of Board Order 39/08

  Cash Store Inc. and Assistive Financial Corp.:

• PD-2 Rent Cash Inc. Evidence
• PD-2A Rent Cash Inc. - Revised Attachment "D"
• PD-3  Kevin Clinton Evidence
• PD-18 The Cash Store Inc. and Assistive Financial Corp. response to IR's from CPLA
• PD-19 The Cash Store Inc. and Assistive Financial Corp. response to IR's from the Board
• PD-20 The Cash Store Inc. and Assistive Fiancial Corp., Rebuttal Evidence
• PD-23 The Cash Store Inc. and the Assistive Financial Corp., Rebuttal Evidence
• PD-45 Opening Statements of Nancy Bland and Gordon J. Reykdal
• PD-46 CV of Nancy Bland  
• PD-47 CV of Gordon J. Reykdal
• PD-48 Power Point Presentaiton from Rentcash - Roth Capital Partners 2007 New York Conference - Cash Store Inc.
• PD-50 CV of Kevin Clinton filed by the Cash Store Inc. and Assistive Financial Corp.
• PD-51 Qualification Statement for Dr. K. Clinton
• PD-53 Compilation of Payday Lenders' Rates in Nova Scotia compiled by Dr. Clinton
• PD-57 Written submission filed by The Cash Store Inc. and Assistive Financial Corp.
• PD-64 Rebuttal submission filed by The Cash Store Inc. and Assistive Financial Corp.
• PD-71 Written Submission regarding the Manitoba PUB Decision filed by the Consumer Advocate
• PD-75 Letter regarding the Manitoba PUB Payday Loadn Decison filed by Cash Store Inc. and Assistive Financial Corp
• PD-83 Submission regarding Manitoba PUB decision Reconsideration of Board Order 39/08
  Consumer Advocate:
• PD-52 Survey entitled "Public Experience with Financial Services and Awareness of the FCAC"
• PD-59 A: Book of Authorities filed by the Consumer Advocate
             (This document is available for viewing at the NSUARB Offices.)
• PD-72 Written submission regarding the Manitoba PUB Decision filed by the Consumer Advocate
• PD-76 Letter regarding the Manitoba PUB Payday Loan Decision filed by the Consumer Advocate

• Province of Nova Scotia - Service Nova Scotia and Municipal Relations (SNSMR):
• PD-12 SMSMR response to IR's from the Cash Store Inc. and Assistive Financial Corp.
• PD-49 Payday Lenders Holding Permits in Nova Scotia under the Consumer Protection Act, including additional locations.
• PD-55(.doc) Payday lender information filed by SNSMR
• PD-56 Written Submission filed by SNSMR
• PD-69 Written Submission regarding the Manitoba PUB Decision filed by SNSMR

310 LOAN:

• PD-11 310 Loan Report
• PD-22 310 Loan response to IR's from Board Counsel
• PD-42 Opening Statement of Nathan Slee
• PD-43 Consumer Credit Regulations as The Third Way by Professor Iain Ramsay (presented by Nathan Slee)
• PD-60 Written Submission filed by 310-LOAN
• PD-73 Written Submission regarding the Manitoba PUB Decision filed by 310-Loan

  EVIDENCE FILED by NOVA SCOTIA UTILITY AND REVIEW BOARD

Board Counsel, Board Consultants:

• PD-1 David Martin - Bond Consultant Submission
• PD-21 David Martin's response to IR's from the Cash Store Inc. and Assistive Financial Corp.
• PD-27 Rebuttal Evidence filed by Board Consultant - Casey - HWC Payday Report on January 14, 2008
• PD-27A Revised Rebuttal Evidence filed by Mr. Casey
• PD-28 Rebuttal Evidence filed by Board Consultant - Martin
• PD-38 Consumer Protection Act Payday Lenders Regulations, Schedule "A": filed by Board Counsel
• PD-54 CV of Michael D. Casey, Board Consultant
• PD-61 Written Submission file by Board Counsel
• PD-62 Appendix I filed by Board Counsel - Nova Scotia (Minister of Community Services v. B.F.
• PD-63 Appendix II filed by Board Counsel - Excerpts Sullivan and Driedger
• PD-77 Decision, Maximum Charges for Payday Loans, Board Order No. 39/08, Manitoba Public Utilities Board, Apr.4-08
• PD-78 Notice of Motion for leave to appeal of Manitoba PUB Decision - the CAS
• PD-79 Notice of motion for leave to appeal of Manitoba PUB decision, the Cash Store Inc. & Assistive Financial Corp, May 2-08
• PD-80 Decision - Reconsideration of Board Order 39/08 Maximum Charges for Payday Loans, Manitoba PUB, Board Order No. 89/08, June 27-08

Board Staff:

EVIDENCE FILES by OTHERS:

Written Submission from the Public

• PD-29 Canadian Centre for Policy Alternatives
• PD-30 Credit Counselling Services
• PD-44 Statement at Public Session by Becky Kent, MLA