The duty of April 10 tells us the sad story of a couple who used the Scotiabank mobile application thinking of freezing a mortgage rate only to end up with an unexpected increase in monthly payments. We can imagine that hundreds of other consumers must have been caught like this.
My first reaction was to propose an amendment to the Consumer Protection Act and to write to my MP in Quebec on this subject. When I thought about it a little more, I realized that it was a banking problem. It is therefore the laws on banks and the Financial Consumer Agency (which I had never heard of and which has an annual budget of 50 million!) which take care of this situation. In other words: Ottawa and its federal jurisdiction.
Well ! This is not so bad, since Prime Minister Trudeau himself has indicated that jurisdictional issues do not matter to people and that what they want is for the problems to be resolved. He would even be happy to receive money from the provinces “if they want to invest in our military,” as he said publicly.
I will finally write to the Prime Minister of Quebec to ask him to enact a Quebec banking law protecting people from bank mobile applications as well as a Quebec passport law so that citizens no longer have to queue outside to have a passport and, well, a Quebec law on the army to reach the 2% of military spending requested by NATO and appoint the senior officers of the armed forces based on the territory of Quebec.
My gut tells me that Justin Trudeau will not agree. Too bad for people stuck with the loopholes in Ottawa’s banking laws. And too bad for Quebec which is destroyed every day by Ottawa’s initiatives.
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