Dijkema, Brian. "Strengthening Protection for Consumers of Alternative Financial Services - Phase One." Cardus, 2017. https://www.cardus.ca/research/work-economics/research-report/strengthening-protection-for-consumers-of-alternative-financial-services-phase-one/
Cardus was asked by Ontario’s Ministry of Government and Consumer Services to offer feedback on proposed changes to various acts pertaining to payday lending and other financial services in Ontario. We were pleased to see that many of the recommendations that Cardus outlined in Banking on the Margins: Finding Ways to Build an Enabling Small Dollar Credit Market have been taken up by the government in its proposed regulations. However, we continue to caution on the unintended consequences of laws and regulations that might unduly affect consumers who most desperately need access to cash.
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