Mortgage Broker

Summer 2017

Mortgage Broker is the magazine of the Canadian Mortgage Brokers Association and showcases the multi-billion dollar mortgage-broking industry to all levels of government, associated organizations and other interested individuals.

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letters to the editor update i attended your education session in Victoria, and you were advising us about spam law. You said that the right to sue would take effect on July 1, 2017. I read that the government has changed its mind and the right is not going to take effect, at least not yet. Is that true? Victoria Broker Reply: Short answer Yes, the government has indefinitely postponed the coming-into-force of the private right to sue an entity that has breached Canada's anti- spam law (CASL). Fuller answer Since July 1, 2014, CASL has provided the Regulator with the authority to levy administrative penalties against those who violate CASL's anti-spam and anti-malware requirements. CASL was to further provide, as of July 1, the right for a person affected by an entity's non-compliance to sue that entity (including the right to sue an organization's officers, director and agents). Claims could have been brought for an entity having done one or more of the following: . sent commercial electronic messages without the recipient's express or implied consent and the messages not complying with the prescribed form and content requirements; . installed a computer program on a device without the recipient's consent; or . sent false or misleading electronic messages or e-mail harvesting. e affected person could have claimed both compensatory damages and statutory amounts. e claim for compensatory damages would cover any actual losses or damages the person may have suffered. e statutory damages could be awarded whether or not any actual harm was proven; these damages could range from as little as $200 for each contravention to a maximum of $1 million per day. Because in the vast majority of cases an individual would not suffer significant actual harm, it would oen not be economically feasible for someone to pay a lawyer to conduct such a lawsuit. However, if the violating entity affected a number of individuals, it may have been possible for a lawyer to bring a class- action lawsuit and be paid from the proceeds of the suit. e government chose to delay the right to sue from coming into effect because, in the words of Navdeep Bains, Minister of Innovation, Science and Economic Development: Canadians deserve to be protected from spam and other electronic threats so that they can have confidence in digital technology. At the same time, businesses, charities and other non-profit groups should have reasonable ways to communicate electronically with Canadians. We have listened to the concerns of stakeholders and are committed to striking the right balance. So, for the time being, violators of CASL will be subject to administrative penalties but not to lawsuits from persons affected by the violations. Please send letters to the editor to info@cmba-achc.ca letters CMBa MEMBErS' VIEWS 12 | summer 2017 cmba-achc.ca CmB magazine CASL Violators – No Suit for You SPAM

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