Case information
Conduct a refined search of the Supreme Court of Canada database to obtain details on the status of a matter before the Court.
35009
Bank of Montreal, et al. v. Réal Marcotte, et al.
(Quebec) (Civil) (By Leave)
Docket
Judgments on applications for leave to appeal are rendered by the Court, but are not necessarily unanimous.
| Date | Proceeding | Filed By (if applicable) |
|---|---|---|
| 2015-10-09 | Appeal closed | |
| 2015-10-08 | Certificate of taxation issued to, Mr. Pierre Landry | |
| 2015-10-08 | Decision on the bill of costs, in the amount of $26,582.19, DeRg | |
| 2015-10-08 | Submission of the bill of costs, DeRg | |
| 2015-10-08 | Certificate of taxation issued to, Mr. Pierre Landry | |
| 2015-10-08 | Decision on the bill of costs, in the amount of $6,501.31, DeRg | |
| 2015-10-08 | Submission of the bill of costs, DeRg | |
| 2015-03-27 | Response to the bill of costs, Completed on: 2015-03-27 | Bank of Montreal |
| 2015-03-19 | Bill of costs, Completed on: 2015-03-19 | Attorney General of Quebec |
| 2015-03-18 | Bill of costs, Completed on: 2015-03-19, (Printed version filed on 2015-03-19) | Président de l'Office de la protection du consommateur |
| 2014-09-22 | Formal judgment sent to the registrar of the court of appeal and all parties | |
| 2014-09-22 | Judgment on appeal and notice of deposit of judgment sent to all parties | |
| 2014-09-19 |
Judgment on the appeal rendered, CJ LeB Abe Ro Cro Mo Wa, The appeals brought by the Bank of Montreal, Citibank Canada, the Toronto-Dominion Bank and the National Bank of Canada from the judgment of the Court of Appeal of Quebec (Montréal), Numbers 500-09-019849-090, 500-09-019850-098, 500-09-019851-096, 500-09-019852-094, 500-09-019853-092, 500-09-019854-090, 500-09-019855-097, 500-09-019856-095, 500-09-019857-093, 2012 QCCA 1396, dated August 2, 2012, heard on February 13, 2014, are dismissed with costs in this Court. The appeal brought by Réal Marcotte and Bernard Laparé is allowed in part with no costs in this Court. Costs in the courts below remain as ordered in paras. 151-54 of the judgment of the Court of Appeal. The award at trial, including the costs award, against Amex Bank of Canada is restored in accordance with these reasons. The trial judgment with respect to punitive damages is restored for the Bank of Montreal, Citibank Canada, Toronto-Dominion Bank, National Bank of Canada and Amex Bank of Canada. All relevant provisions of the Consumer Protection Act, CQLR, c. P-40.1, are constitutionally applicable and operative. Allowed in part, no order as to costs |
|
| 2014-02-28 | Transcript received, (259 Pages) | |
| 2014-02-13 | Judgment reserved OR rendered with reasons to follow | |
| 2014-02-13 | Intervener's condensed book, Submitted in Court (14 copies) - Joint with 35033 | Attorney General of Canada |
| 2014-02-13 | Intervener's condensed book, Submitted in Court (14 copies) - Joint with 35018 | Président de l'Office de la protection du consommateur |
| 2014-02-13 | Intervener's condensed book, Submitted in Court (14 copies) - Joint with 35033 | Attorney General of Alberta |
| 2014-02-13 | Appellant's condensed book, Submitted in Court (14 copies) - Joint with 35018 | Réal Marcotte |
| 2014-02-13 | Respondent's condensed book, Submitted in Court (14 copies) - Joint with 35033 | Attorney General of Quebec |
| 2014-02-13 | Appellant's condensed book, Submitted in Court (14 copies) - Joint with 35033 | Bank of Montreal |
| 2014-02-13 |
Hearing of the appeal, 2014-02-13, CJ LeB Abe Ro Cro Mo Wa Judgment reserved |
|
| 2014-02-06 | Correspondence received from, Bruce W. Johnston, re: time allocation distribution | Réal Marcotte |
| 2014-02-05 |
Order by, (Joint with 35033), Abe, FURTHER TO THE ORDER dated November 14, 2013, granting leave to intervene to the Canadian Bankers Association; IT IS HEREBY FURTHER ORDERED THAT the said intervener is granted permission to present oral argument not exceeding ten (10) minutes at the hearing of the appeals. Granted |
|
| 2014-02-03 | Correspondence received from, Robert E. Houston re: counsel sheet | Attorney General of Ontario |
| 2014-02-03 | Notice of appearance, Robert Normey will be present | Attorney General of Alberta |
| 2014-02-03 | Correspondence received from, Robert E. Houston, Q.C., re: order for oral argument | Attorney General of Ontario |
| 2014-02-03 | Correspondence received from, Pierre Salois, re: oral argument | Attorney General of Canada |
| 2014-01-31 | Correspondence received from, 5 reserved seats requested | Président de l'Office de la protection du consommateur |
| 2014-01-31 | Correspondence received from, Chantale Décoste re: 2 reserved seat | Attorney General of Quebec |
| 2014-01-31 | Correspondence received from, Mahmud Jamal, re: response to letter of Mr. Johnston on oral argument | Bank of Montreal |
| 2014-01-30 | Notice of appearance, Bruce W. Johnston, Philippe H. Trudel, André Lespérance, Andrew E. Cleland will be present, 4 reserved seats | Réal Marcotte |
| 2014-01-30 | Correspondence received from, Bruce W. Johnston, re: time for oral argument | Réal Marcotte |
| 2014-01-30 | Correspondence received from, Ed Van Bemmel by e-mail, re: agrees with proposal of Mahmud Jamal for oral argument at the hearing of the appeals | Attorney General of Alberta |
| 2014-01-29 | Notice of appearance, Marc Migneault and Joel SImard will be present at the hearing. | Président de l'Office de la protection du consommateur |
| 2014-01-29 | Correspondence received from, Mahmud Jamal by fax, re: proposed time allocation for the three appeals | Bank of Montreal |
| 2014-01-29 | Notice of withdrawal, of the notice of intervention respecting constitutional questions | Attorney General of British Columbia |
| 2014-01-27 | Intervener's book of authorities, Joint with 35033 (5 volumes), Completed on: 2014-01-27 | Attorney General of Canada |
| 2014-01-27 | Intervener's factum - AG on constitutional question, Joint with 35033 - English translation also filed, Completed on: 2014-01-27 | Attorney General of Canada |
| 2014-01-27 | Intervener's book of authorities, (2 volumes), Completed on: 2014-01-27 | Attorney General of Ontario |
| 2014-01-27 | Intervener's factum - AG on constitutional question, Completed on: 2014-01-27 | Attorney General of Ontario |
| 2014-01-27 | Intervener's book of authorities, Joint with 35033, Completed on: 2014-01-27 | Attorney General of Alberta |
| 2014-01-27 | Intervener's factum - AG on constitutional question, Completed on: 2014-01-27 | Attorney General of Alberta |
| 2014-01-27 | Notice of appearance, Bernard Letarte and Pierre Salois will be present at the hearing. | Attorney General of Canada |
| 2014-01-27 | Intervener's book of authorities, Joint with 35033, Completed on: 2014-01-27 | Canadian Bankers Association |
| 2014-01-27 | Intervener's factum, Joint with 35033, Completed on: 2014-01-27 | Canadian Bankers Association |
| 2014-01-27 | Correspondence received from, 4 reserved seats requested | Attorney General of Ontario |
| 2014-01-27 | Notice of appearance, Janet Minor and Robert Donata will be present at the hearing. | Attorney General of Ontario |
| 2014-01-24 | Notice of appearance, John Laskin and Myriam Seers will be present at the hearing. | Canadian Bankers Association |
| 2014-01-24 | Notice of appearance, Mahmud Jamal, Sylvain Deslauriers, Silvana Conte, Alberto Martinez and David Rankin will be present at the hearing. | Bank of Montreal |
| 2014-01-20 | Correspondence received from, 2 reserved seats requested | Canadian Bankers Association |
| 2013-12-23 | Notice of appearance, Jean-François Jobin, Francis Demers and Samuel Chayer will be present at the hearing. | Attorney General of Quebec |
| 2013-12-20 | Correspondence received from, 4 reserved seats requested | Attorney General of Canada |
| 2013-12-04 | Correspondence received from, 20 reserved seats requested | Bank of Montreal |
| 2013-12-04 |
Appeal hearing scheduled, 2014-02-13, Early start 9:00 a.m.(To be heard with 35018 & 35033) Judgment reserved |
|
| 2013-11-26 | Notice of hearing sent to parties | |
| 2013-11-26 | Correspondence received from, Lafortune dated 2013/11/22 re: 12 CDs with hyperlinque of all documents filed in 35009, 35018 and 35033 | Bank of Montreal |
| 2013-11-15 | Appeal perfected for hearing | |
| 2013-11-14 | Order on motion for leave to intervene, (by ABELLA J.) | |
| 2013-11-14 |
Decision on the motion for leave to intervene, (Joint with 35033), Abe, UPON APPLICATION by the Canadian Bankers Association for leave to intervene in the above appeals; AND THE MATERIAL FILED having been read; IT IS HEREBY ORDERED THAT: The motion for leave to intervene of the Canadian Bankers Association is granted and the said intervener shall be entitled to serve and file a single factum not to exceed 10 pages in length in these appeals on or before January 27, 2014. The request to present oral argument is deferred to a date following receipt and consideration of the written arguments of the parties and the interveners. The intervener is not entitled to raise new issues or to adduce further evidence or otherwise to supplement the record of the parties. Pursuant to Rule 59(1)(a) of the Rules of the Supreme Court of Canada, the intervener shall pay to the appellants and respondents any additional disbursements occasioned to the appellants and respondents by their intervention. Granted |
|
| 2013-11-14 | Submission of motion for leave to intervene, Abe | |
| 2013-11-12 | Respondent's book of authorities, (Book Form), Vol. 1 and 2, Completed on: 2013-11-19 | Bank of Montreal |
| 2013-11-12 | Respondent's factum, (Book Form), Completed on: 2013-11-19 | Bank of Montreal |
| 2013-11-12 | Respondent's book of authorities, (Book Form), Vol. 1 and 2, Completed on: 2013-11-20 | Réal Marcotte |
| 2013-11-12 | Respondent's record, (Book Form), Completed on: 2013-11-19 | Réal Marcotte |
| 2013-11-12 | Respondent's factum, (Book Form), Completed on: 2013-11-19 | Réal Marcotte |
| 2013-11-12 | Respondent's book of authorities, (Book Form), Vol. 1 to 3,, Completed on: 2013-11-26 | Attorney General of Quebec |
| 2013-11-12 | Respondent's factum, (Book Form), (Vol. 1 to 4), Completed on: 2013-11-26 | Attorney General of Quebec |
| 2013-11-12 | Intervener's factum, (Book Form), Joint with 35018, Completed on: 2013-11-19 | Président de l'Office de la protection du consommateur |
| 2013-11-01 | Reply to the motion for leave to intervene, Completed on: 2013-11-01 | Canadian Bankers Association |
| 2013-10-25 | Response to the motion for leave to intervene, (Letter Form), from Bruce W. Johnston dated 2013-10-25, Completed on: 2013-10-25 | Réal Marcotte |
| 2013-10-25 | Response to the motion for leave to intervene, (Letter Form), from Joël Simard dated 2013-10-25 (joint with 35033), Completed on: 2013-10-25 | Président de l'Office de la protection du consommateur |
| 2013-10-25 | Response to the motion for leave to intervene, (Letter Form), from Jean-François Jobin dated 2013-10-25 (joint with 35033), Completed on: 2013-10-25 | Attorney General of Quebec |
| 2013-10-25 | Response to the motion for leave to intervene, (Letter Form), from Patricia J. Wilson dated 2013-10-25 (joint with 35033), Completed on: 2013-10-25 | Bank of Montreal |
| 2013-10-15 | Motion for leave to intervene, (Book Form), joint with 35033, Completed on: 2013-10-15 | Canadian Bankers Association |
| 2013-10-11 | Correspondence received from, Patricia J. Wilson dated 2013-10-11 re: change of counsel | Bank of Montreal |
| 2013-09-16 | Appellant's book of authorities, Joint with 35018 (7 volumes), Completed on: 2013-09-16 | Réal Marcotte |
| 2013-09-16 | Supplemental document, Joint - Legislation (5 volumes), Completed on: 2013-09-16 | Bank of Montreal |
| 2013-09-16 | Appellant's book of authorities, Joint (5 volumes), Completed on: 2013-09-16 | Bank of Montreal |
| 2013-09-16 | Appellant's record, Joint with 35018 (98 volumes), Completed on: 2013-09-16 | Bank of Montreal |
| 2013-09-16 | Appellant's factum, Joint, Completed on: 2013-09-16 | Bank of Montreal |
| 2013-09-16 | Appellant's factum, Completed on: 2013-09-16 | Réal Marcotte |
| 2013-09-12 | Order on motion to extend time, (by THE REGISTRAR) | |
| 2013-09-12 |
Decision on motion to extend time, Reg, to serve and file a notice of intervention on constitutional questions to August 26, 2013 Granted |
|
| 2013-09-12 | Submission of motion to extend time, Reg | |
| 2013-08-28 | Motion to extend time, to serve and file a Notice of Intervention to Aug. 26/13, Completed on: 2013-08-28 | Attorney General of Alberta |
| 2013-08-26 | Notice of intervention respecting a constitutional question, (motion for extension of time requested) | Attorney General of Alberta |
| 2013-08-23 | Notice of intervention respecting a constitutional question | Attorney General of Ontario |
| 2013-08-23 | Notice of intervention respecting a constitutional question | Attorney General of Canada |
| 2013-07-29 | Order on miscellaneous motion, (included in motion record) | |
| 2013-07-29 |
Decision on miscellaneous motion, (joint with 35018-35033), LeB, for an order permitting the filing in electronic form of a joint record as between the parties in 35009 and 35018 and between the parties in 35033 and to reduce the number of printed copies of the joint records. Parties are permitted to file factum(s) of each party and hyperlinked to the electronic Joint Record and Book(s) of Authorities Granted |
|
| 2013-07-29 | Submission of miscellaneous motion, LeB | |
| 2013-07-18 | Notice of intervention respecting a constitutional question | Attorney General of British Columbia |
| 2013-07-16 | Notice of miscellaneous motion, (Book Form), for an order permitting the filing in electronic form of a joint record as between the parties in 35009 and 35018 and between the parties in 35033 and to reduce the number of printed copies of the joint records (joint with 35018-35033), Completed on: 2013-07-16 | Bank of Montreal |
| 2013-07-05 | Correspondence received from, from Bruce W. Johnston by fax, re: response to letter from the Registrar dated June 24, 2013 | Réal Marcotte |
| 2013-07-05 | Correspondence received from, from Marc Migneault by fax, re: response to letter from the Registrar dated June 24, 2013 | Président de l'Office de la protection du consommateur |
| 2013-07-05 | Correspondence received from, from Jean-François Jobin by fax, re: response to letter from the Registrar dated June 24, 2013 | Attorney General of Quebec |
| 2013-07-05 | Correspondence received from, Mahmud Jamal by fax, re: response to letter from the Registrar dated June 24, 2013 | Bank of Montreal |
| 2013-07-05 | Correspondence received from, from Bernard Letarte by fax, re: response to letter from the Registrar dated June 24, 2013 | Attorney General of Canada |
| 2013-06-25 | Notice of constitutional question(s) | Bank of Montreal |
| 2013-06-24 | Correspondence (sent by the Court) to, all parties, dated June 24/13 re: conflict with judges | |
| 2013-06-24 | Order on motion to state a constitutional question, (by THE CHIEF JUSTICE) | |
| 2013-06-24 |
Decision on the motion to state a constitutional question, CJ, UPON APPLICATION by the appellants for an order stating constitutional questions and extending the time within which the appellants may serve and file their motion to state constitutional questions in the above appeal; AND THE MATERIAL FILED having been read; IT IS HEREBY ORDERED THAT: The motion by the appellants to extend the time to serve and file the motion to state constitutional questions is granted, and the constitutional questions are stated as follows: 1. Are ss. 12, 66-72, 83, 91, 92, 126, 127, 219, 228, and 271-272 of the Consumer Protection Act, R.S.Q., c. P-40.1, and ss. 55-61 of the Regulation respecting the application of the Consumer Protection Act, R.R.Q., c. P-40.1, r. 3, constitutionally inapplicable in respect of bank-issued credit cards by reason of the doctrine of interjurisdictional immunity? 2. Are ss. 12, 66-72, 83, 91, 92, 126, 127, 219, 228, and 271-272 of the Consumer Protection Act, R.S.Q., c. P-40.1, and ss. 55-61 of the Regulation respecting the application of the Consumer Protection Act, R.R.Q., c. P-40.1, r. 3, constitutionally inoperative in respect of bank-issued credit cards by reason of the doctrine of federal paramountcy? Any Attorney General who intervenes pursuant to Rule 61(4) shall pay the appellants and respondents the costs of any additional disbursements they incur as a result of the intervention. IT IS HEREBY FURTHER ORDERED THAT: Any Attorney General who intervenes pursuant to Rule 61(4) shall serve and file their factum and book of authorities no later than January 27, 2014. Granted |
|
| 2013-06-24 | Submission of motion to state a constitutional question, CJ | |
| 2013-05-31 | Response to the motion to state a constitutional question, (joint with a response to the motion for extension of time), Completed on: 2013-05-31 | Attorney General of Canada |
| 2013-05-27 | Motion to state a constitutional question, (Book Form), (joint with an extension of time), Completed on: 2013-05-27 | Bank of Montreal |
| 2013-05-13 | Notice of appeal, Joint, Completed on: 2013-05-13 | Bank of Montreal |
| 2013-05-13 | Notice of appeal, Completed on: 2013-05-13 | Réal Marcotte |
| 2013-05-02 | Letter advising the parties of tentative hearing date and filing deadlines (Leave granted) | |
| 2013-04-29 | Correspondence received from, Patricia J. Wilson by fax, re: motion to state constitutional questions will be filed 2 weeks late with a motion for extension of time | Bank of Montreal |
| 2013-04-12 | Copy of formal judgment sent to Registrar of the Court of Appeal and all parties | |
| 2013-04-12 | Judgment on leave sent to the parties | |
| 2013-04-11 |
Judgment of the Court on the application for leave to appeal, The applications for leave to appeal from the judgment of the Court of Appeal of Quebec (Montréal), Numbers 500-09-019849-090, 500-09-019850-098, 500-09-019851-096, 500-09-019852-094, 500-09-019853-092, 500-09-019854-090, 500-09-019855-097, 500-09-019856-095 and 500-09-019857-093, 2012 QCCA 1396, dated August 2, 2012, are granted with costs in the cause. Granted, with costs in the cause |
|
| 2013-02-18 | All materials on application for leave submitted to the Judges, LeB Ka Wa | |
| 2012-11-13 | Applicant's reply to respondent's argument, (Letter Form), (letter from Patricia J. Wilson, by email, Re: will not be filing a reply), Completed on: 2012-11-13 | Bank of Montreal |
| 2012-11-13 | Applicant's reply to respondent's argument, (Letter Form), (letter from Bruce W. Johnston, by fax, Re: will not be filing a reply), Completed on: 2012-11-13 | Réal Marcotte |
| 2012-11-01 | Correspondence received from, Michel Miller, dated Oct.30/12, Re: Christopher Rupar will be acting as agent for AGC | Attorney General of Canada |
| 2012-10-31 | Respondent's response on the application for leave to appeal, (First Application) (2 volumes) service missing (rec'd Nov.1/12), Completed on: 2012-10-31 | Attorney General of Quebec |
| 2012-10-31 | Intervener's memorandum of argument on application for leave, (Letter Form), (joint for both application) (from Michel Miller, dated Oct.31/12, rec'd by fax), Completed on: 2012-10-31 | Attorney General of Canada |
| 2012-10-31 | Respondent's response on the application for leave to appeal, (Second application), Completed on: 2012-10-31 | Bank of Montreal |
| 2012-10-31 | Respondent's response on the application for leave to appeal, (First application) service missing (rec'd Nov.1/12), Completed on: 2012-11-06 | Réal Marcotte |
| 2012-10-30 | Respondent's response on the application for leave to appeal, (joint with 35018) service missing (rec'd Oct.31/12), Completed on: 2012-10-31 | Président de l'Office de la protection du consommateur |
| 2012-10-05 | Correspondence received from, (Letter Form), Bruce W. Johnston, dated Oct.5/12, by fax, Re: style of cause | Réal Marcotte |
| 2012-10-03 | Letter acknowledging receipt of an incomplete application for leave to appeal, SECOND APPLICATION | |
| 2012-10-02 | Letter acknowledging receipt of a complete application for leave to appeal, FIRST APPLICATION | |
| 2012-10-01 | Application for leave to appeal, (2 volumes) (SECOND APPLICATION) service missing (rec`d Oct.3/12) Signed Final CA Order missing, Completed on: 2012-10-03 | Réal Marcotte |
| 2012-10-01 | Book of authorities, (2 volumes) | Bank of Montreal |
| 2012-10-01 | Application for leave to appeal, (4 volumes) FIRST APPLICATION, Completed on: 2012-10-02 | Bank of Montreal |
Parties
Please note that in the case of closed files, the “Status” column reflects the status of the parties at the time of the proceedings. For more information about the proceedings and about the dates when the file was open, please consult the docket of the case in question.
Main parties
| Name | Role | Status |
|---|---|---|
| Bank of Montreal | Appellant | Active |
v.
| Name | Role | Status |
|---|---|---|
| Marcotte, Réal | Respondent | Active |
| Laparé, Bernard | Respondent | Active |
| Attorney General of Quebec | Respondent | Active |
| Président de l'Office de la protection du consommateur | Respondent | Active |
And Between
| Name | Role | Status |
|---|---|---|
| Citibank Canada | Appellant | Active |
v.
| Name | Role | Status |
|---|---|---|
| Marcotte, Réal | Respondent | Active |
| Laparé, Bernard | Respondent | Active |
| Attorney General of Quebec | Respondent | Active |
| Président de l'Office de la protection du consommateur | Respondent | Active |
And Between
| Name | Role | Status |
|---|---|---|
| Toronto-Dominion Bank | Appellant | Active |
v.
| Name | Role | Status |
|---|---|---|
| Marcotte, Réal | Respondent | Active |
| Laparé, Bernard | Respondent | Active |
| Attorney General of Quebec | Respondent | Active |
| Président de l'Office de la protection du consommateur | Respondent | Active |
And Between
| Name | Role | Status |
|---|---|---|
| National Bank of Canada | Appellant | Active |
v.
| Name | Role | Status |
|---|---|---|
| Marcotte, Réal | Respondent | Active |
| Laparé, Bernard | Respondent | Active |
| Attorney General of Quebec | Respondent | Active |
| Président de l'Office de la protection du consommateur | Respondent | Active |
And Between
| Name | Role | Status |
|---|---|---|
| Marcotte, Réal | Appellant | Active |
| Laparé, Bernard | Appellant | Active |
v.
| Name | Role | Status |
|---|---|---|
| Bank of Montreal | Respondent | Active |
| Amex Bank of Canada | Respondent | Active |
| Royal Bank of Canada | Respondent | Active |
| Toronto-Dominion Bank | Respondent | Active |
| Canadian Imperial Bank of Commerce | Respondent | Active |
| Bank of Nova Scotia | Respondent | Active |
| National Bank of Canada | Respondent | Active |
| Laurentian Bank of Canada | Respondent | Active |
| Citibank Canada | Respondent | Active |
| Attorney General of Canada | Respondent | Active |
Other parties
| Name | Role | Status |
|---|---|---|
| Attorney General of Canada | Intervener | Active |
| Attorney General of Ontario | Intervener | Active |
| Attorney General of Quebec | Intervener | Active |
| Attorney General of Alberta | Intervener | Active |
| Président de l'Office de la protection du consommateur | Intervener | Active |
| Canadian Bankers Association | Intervener | Active |
Counsel
Party: Bank of Montreal
Counsel
Mahmud Jamal
Sylvain Deslauriers
Sylvana Conte
Alberto Martinez
W. David Rankin
Sylvain Deslauriers
Sylvana Conte
Alberto Martinez
W. David Rankin
Osler, Hoskin & Harcourt LLP
1000 de la Gauchetière Street West
Suite 2100
Montréal, Quebec
H3B 4W5
Telephone: (514) 904-8100
FAX: (514) 904-8101
Email: mjamal@osler.com
1000 de la Gauchetière Street West
Suite 2100
Montréal, Quebec
H3B 4W5
Telephone: (514) 904-8100
FAX: (514) 904-8101
Email: mjamal@osler.com
Agent
Patricia J. Wilson
Osler, Hoskin & Harcourt LLP
340 Albert Street
Suite 1900
Ottawa, Ontario
K1R 7Y6
Telephone: (613) 787-1009
FAX: (613) 235-2867
Email: pwilson@osler.com
340 Albert Street
Suite 1900
Ottawa, Ontario
K1R 7Y6
Telephone: (613) 787-1009
FAX: (613) 235-2867
Email: pwilson@osler.com
Party: Marcotte, Réal
Counsel
Bruce W. Johnston
Philippe H. Trudel
André Lespérance
Andrew Cleland
Philippe H. Trudel
André Lespérance
Andrew Cleland
Trudel & Johnston
Bureau 90
750, Côte de la Place d'Armes
Montréal, Quebec
H2Y 2X8
Telephone: (514) 871-8385
FAX: (514) 871-8800
Email: bwjohnston@trudeljohnston.com
Bureau 90
750, Côte de la Place d'Armes
Montréal, Quebec
H2Y 2X8
Telephone: (514) 871-8385
FAX: (514) 871-8800
Email: bwjohnston@trudeljohnston.com
Agent
Moira Dillon
Supreme Law Group
900 - 275 Slater Street
Ottawa, Ontario
K1P 5H9
Telephone: (613) 691-1224
FAX: (613) 691-1338
Email: mdillon@supremelawgroup.ca
900 - 275 Slater Street
Ottawa, Ontario
K1P 5H9
Telephone: (613) 691-1224
FAX: (613) 691-1338
Email: mdillon@supremelawgroup.ca
Party: Laparé, Bernard
Counsel
Bruce W. Johnston
Philippe H. Trudel
André Lespérance
Andrew Cleland
Philippe H. Trudel
André Lespérance
Andrew Cleland
Trudel & Johnston
Bureau 90
750, Côte de la Place d'Armes
Montréal, Quebec
H2Y 2X8
Telephone: (514) 871-8385
FAX: (514) 871-8800
Email: bwjohnston@trudeljohnston.com
Bureau 90
750, Côte de la Place d'Armes
Montréal, Quebec
H2Y 2X8
Telephone: (514) 871-8385
FAX: (514) 871-8800
Email: bwjohnston@trudeljohnston.com
Agent
Moira Dillon
Supreme Law Group
900 - 275 Slater Street
Ottawa, Ontario
K1P 5H9
Telephone: (613) 691-1224
FAX: (613) 691-1338
Email: mdillon@supremelawgroup.ca
900 - 275 Slater Street
Ottawa, Ontario
K1P 5H9
Telephone: (613) 691-1224
FAX: (613) 691-1338
Email: mdillon@supremelawgroup.ca
Party: Citibank Canada
Counsel
Mahmud Jamal
Sylvain Deslauriers
Silvana Conte
Sylvain Deslauriers
Silvana Conte
Osler, Hoskin & Harcourt LLP
1000 de la Gauchetière Street West
Suite 2100
Montréal, Quebec
H3B 4W5
Telephone: (514) 904-8100
FAX: (514) 904-8101
Email: mjamal@osler.com
1000 de la Gauchetière Street West
Suite 2100
Montréal, Quebec
H3B 4W5
Telephone: (514) 904-8100
FAX: (514) 904-8101
Email: mjamal@osler.com
Agent
Patricia J. Wilson
Osler, Hoskin & Harcourt LLP
340 Albert Street
Suite 1900
Ottawa, Ontario
K1R 7Y6
Telephone: (613) 787-1009
FAX: (613) 235-2867
Email: pwilson@osler.com
340 Albert Street
Suite 1900
Ottawa, Ontario
K1R 7Y6
Telephone: (613) 787-1009
FAX: (613) 235-2867
Email: pwilson@osler.com
Party: Toronto-Dominion Bank
Counsel
Mahmud Jamal
Silvana Conte
Sylvain Deslauriers
Silvana Conte
Sylvain Deslauriers
Osler, Hoskin & Harcourt LLP
1000 de la Gauchetière Street West
Suite 2100
Montréal, Quebec
H3B 4W5
Telephone: (514) 904-8100
FAX: (514) 904-8101
Email: mjamal@osler.com
1000 de la Gauchetière Street West
Suite 2100
Montréal, Quebec
H3B 4W5
Telephone: (514) 904-8100
FAX: (514) 904-8101
Email: mjamal@osler.com
Agent
Patricia J. Wilson
Osler, Hoskin & Harcourt LLP
340 Albert Street
Suite 1900
Ottawa, Ontario
K1R 7Y6
Telephone: (613) 787-1009
FAX: (613) 235-2867
Email: pwilson@osler.com
340 Albert Street
Suite 1900
Ottawa, Ontario
K1R 7Y6
Telephone: (613) 787-1009
FAX: (613) 235-2867
Email: pwilson@osler.com
Party: National Bank of Canada
Counsel
Mahmud Jamal
Silvana Conte
Sylvain Deslauriers
Silvana Conte
Sylvain Deslauriers
Osler, Hoskin & Harcourt LLP
1000 de la Gauchetière Street West
Suite 2100
Montréal, Quebec
H3B 4W5
Telephone: (514) 904-8100
FAX: (514) 904-8101
Email: mjamal@osler.com
1000 de la Gauchetière Street West
Suite 2100
Montréal, Quebec
H3B 4W5
Telephone: (514) 904-8100
FAX: (514) 904-8101
Email: mjamal@osler.com
Agent
Patricia J. Wilson
Osler, Hoskin & Harcourt LLP
340 Albert Street
Suite 1900
Ottawa, Ontario
K1R 7Y6
Telephone: (613) 787-1009
FAX: (613) 235-2867
Email: pwilson@osler.com
340 Albert Street
Suite 1900
Ottawa, Ontario
K1R 7Y6
Telephone: (613) 787-1009
FAX: (613) 235-2867
Email: pwilson@osler.com
Party: Attorney General of Quebec
Counsel
Jean-François Jobin
Francis Demers
Samuel Chayer
Francis Demers
Samuel Chayer
Bernard, Roy & Associés
8.00 - 1 rue Notre-Dame Est
Montréal, Quebec
H2Y 1B6
Telephone: (514) 393-2336 Ext: 51452
FAX: (514) 873-7074
Email: jean-francois.jobin@justice.gouv.qc.ca
8.00 - 1 rue Notre-Dame Est
Montréal, Quebec
H2Y 1B6
Telephone: (514) 393-2336 Ext: 51452
FAX: (514) 873-7074
Email: jean-francois.jobin@justice.gouv.qc.ca
Agent
Pierre Landry
Noël et Associés, s.e.n.c.r.l.
111, rue Champlain
Gatineau, Quebec
J8X 3R1
Telephone: (819) 503-2178
FAX: (819) 771-5397
Email: p.landry@noelassocies.com
111, rue Champlain
Gatineau, Quebec
J8X 3R1
Telephone: (819) 503-2178
FAX: (819) 771-5397
Email: p.landry@noelassocies.com
Party: Président de l'Office de la protection du consommateur
Counsel
Marc Migneault
Allard, Renaud et Associés
100, rue Laviolette
Bureau RC 11
Trois-Rivières, Quebec
G9A 5S9
Telephone: (888) 672-2556 Ext: 3426
FAX: (819) 371-6489
100, rue Laviolette
Bureau RC 11
Trois-Rivières, Quebec
G9A 5S9
Telephone: (888) 672-2556 Ext: 3426
FAX: (819) 371-6489
Agent
Pierre Landry
Noël et Associés, s.e.n.c.r.l.
111, rue Champlain
Gatineau, Quebec
J8X 3R1
Telephone: (819) 503-2178
FAX: (819) 771-5397
Email: p.landry@noelassocies.com
111, rue Champlain
Gatineau, Quebec
J8X 3R1
Telephone: (819) 503-2178
FAX: (819) 771-5397
Email: p.landry@noelassocies.com
Party: Attorney General of Canada
Counsel
Michel Miller
Bernard Letarte
Pierre Salois
Bernard Letarte
Pierre Salois
Procureur général du Canada
5e étage, Tour Est
200, boulevard René-Lévesque Ouest
Montréal, Quebec
H2Z 1X4
Telephone: (514) 283-3582
FAX: (514) 283-3856
Email: michel.miller@justice.gc.ca
5e étage, Tour Est
200, boulevard René-Lévesque Ouest
Montréal, Quebec
H2Z 1X4
Telephone: (514) 283-3582
FAX: (514) 283-3856
Email: michel.miller@justice.gc.ca
Agent
Christopher M. Rupar
Attorney General of Canada
50 O'Connor Street, Suite 500, Room 557
Ottawa, Ontario
K1A 0H8
Telephone: (613) 670-6290
FAX: (613) 954-1920
Email: christopher.rupar@justice.gc.ca
50 O'Connor Street, Suite 500, Room 557
Ottawa, Ontario
K1A 0H8
Telephone: (613) 670-6290
FAX: (613) 954-1920
Email: christopher.rupar@justice.gc.ca
Party: Amex Bank of Canada
Counsel
Mahmud Jamal
Osler, Hoskin & Harcourt LLP
1000 de la Gauchetière Street West
Suite 2100
Montréal, Quebec
H3B 4W5
Telephone: (514) 904-8100
FAX: (514) 904-8101
Email: mjamal@osler.com
1000 de la Gauchetière Street West
Suite 2100
Montréal, Quebec
H3B 4W5
Telephone: (514) 904-8100
FAX: (514) 904-8101
Email: mjamal@osler.com
Agent
Patricia J. Wilson
Osler, Hoskin & Harcourt LLP
340 Albert Street
Suite 1900
Ottawa, Ontario
K1R 7Y6
Telephone: (613) 787-1009
FAX: (613) 235-2867
Email: pwilson@osler.com
340 Albert Street
Suite 1900
Ottawa, Ontario
K1R 7Y6
Telephone: (613) 787-1009
FAX: (613) 235-2867
Email: pwilson@osler.com
Party: Royal Bank of Canada
Counsel
Mahmud Jamal
Osler, Hoskin & Harcourt LLP
1000 de la Gauchetière Street West
Suite 2100
Montréal, Quebec
H3B 4W5
Telephone: (514) 904-8100
FAX: (514) 904-8101
Email: mjamal@osler.com
1000 de la Gauchetière Street West
Suite 2100
Montréal, Quebec
H3B 4W5
Telephone: (514) 904-8100
FAX: (514) 904-8101
Email: mjamal@osler.com
Agent
Patricia J. Wilson
Osler, Hoskin & Harcourt LLP
340 Albert Street
Suite 1900
Ottawa, Ontario
K1R 7Y6
Telephone: (613) 787-1009
FAX: (613) 235-2867
Email: pwilson@osler.com
340 Albert Street
Suite 1900
Ottawa, Ontario
K1R 7Y6
Telephone: (613) 787-1009
FAX: (613) 235-2867
Email: pwilson@osler.com
Party: Canadian Imperial Bank of Commerce
Counsel
Mahmud Jamal
Osler, Hoskin & Harcourt LLP
1000 de la Gauchetière Street West
Suite 2100
Montréal, Quebec
H3B 4W5
Telephone: (514) 904-8100
FAX: (514) 904-8101
Email: mjamal@osler.com
1000 de la Gauchetière Street West
Suite 2100
Montréal, Quebec
H3B 4W5
Telephone: (514) 904-8100
FAX: (514) 904-8101
Email: mjamal@osler.com
Agent
Patricia J. Wilson
Osler, Hoskin & Harcourt LLP
340 Albert Street
Suite 1900
Ottawa, Ontario
K1R 7Y6
Telephone: (613) 787-1009
FAX: (613) 235-2867
Email: pwilson@osler.com
340 Albert Street
Suite 1900
Ottawa, Ontario
K1R 7Y6
Telephone: (613) 787-1009
FAX: (613) 235-2867
Email: pwilson@osler.com
Party: Bank of Nova Scotia
Counsel
Mahmud Jamal
Osler, Hoskin & Harcourt LLP
1000 de la Gauchetière Street West
Suite 2100
Montréal, Quebec
H3B 4W5
Telephone: (514) 904-8100
FAX: (514) 904-8101
Email: mjamal@osler.com
1000 de la Gauchetière Street West
Suite 2100
Montréal, Quebec
H3B 4W5
Telephone: (514) 904-8100
FAX: (514) 904-8101
Email: mjamal@osler.com
Agent
Patricia J. Wilson
Osler, Hoskin & Harcourt LLP
340 Albert Street
Suite 1900
Ottawa, Ontario
K1R 7Y6
Telephone: (613) 787-1009
FAX: (613) 235-2867
Email: pwilson@osler.com
340 Albert Street
Suite 1900
Ottawa, Ontario
K1R 7Y6
Telephone: (613) 787-1009
FAX: (613) 235-2867
Email: pwilson@osler.com
Party: Laurentian Bank of Canada
Counsel
Mahmud Jamal
Osler, Hoskin & Harcourt LLP
1000 de la Gauchetière Street West
Suite 2100
Montréal, Quebec
H3B 4W5
Telephone: (514) 904-8100
FAX: (514) 904-8101
Email: mjamal@osler.com
1000 de la Gauchetière Street West
Suite 2100
Montréal, Quebec
H3B 4W5
Telephone: (514) 904-8100
FAX: (514) 904-8101
Email: mjamal@osler.com
Agent
Patricia J. Wilson
Osler, Hoskin & Harcourt LLP
340 Albert Street
Suite 1900
Ottawa, Ontario
K1R 7Y6
Telephone: (613) 787-1009
FAX: (613) 235-2867
Email: pwilson@osler.com
340 Albert Street
Suite 1900
Ottawa, Ontario
K1R 7Y6
Telephone: (613) 787-1009
FAX: (613) 235-2867
Email: pwilson@osler.com
Party: Attorney General of Ontario
Counsel
Janet E. Minor
Robert Donato
Robert Donato
Attorney General of Ontario
720 Bay Street
4th Floor
Toronto, Ontario
M5G 2K1
Telephone: (416) 326-4137
FAX: (416) 326-4015
Email: janet.minor@jus.gov.on.ca
720 Bay Street
4th Floor
Toronto, Ontario
M5G 2K1
Telephone: (416) 326-4137
FAX: (416) 326-4015
Email: janet.minor@jus.gov.on.ca
Agent
Robert E. Houston, Q.C.
Burke-Robertson
441 MacLaren Street
Suite 200
Ottawa, Ontario
K2P 2H3
Telephone: (613) 236-9665
FAX: (613) 235-4430
Email: rhouston@burkerobertson.com
441 MacLaren Street
Suite 200
Ottawa, Ontario
K2P 2H3
Telephone: (613) 236-9665
FAX: (613) 235-4430
Email: rhouston@burkerobertson.com
Party: Attorney General of Alberta
Counsel
Robert J. Normey
Attorney General of Alberta
4th Floor, Bowker Building
9833 - 109th Street
Edmonton, Alberta
T5K 2E8
Telephone: (780) 422-9532
FAX: (780) 425-0307
Email: robert.normey@gov.ab.ca
4th Floor, Bowker Building
9833 - 109th Street
Edmonton, Alberta
T5K 2E8
Telephone: (780) 422-9532
FAX: (780) 425-0307
Email: robert.normey@gov.ab.ca
Agent
D. Lynne Watt
Gowling WLG (Canada) LLP
160 Elgin Street
Suite 2600
Ottawa, Ontario
K1P 1C3
Telephone: (613) 786-8695
FAX: (613) 788-3509
Email: lynne.watt@gowlingwlg.com
160 Elgin Street
Suite 2600
Ottawa, Ontario
K1P 1C3
Telephone: (613) 786-8695
FAX: (613) 788-3509
Email: lynne.watt@gowlingwlg.com
Party: Canadian Bankers Association
Counsel
John B. Laskin
Myriam M. Seers
Myriam M. Seers
Torys LLP
3000 Maritime Life Tower, TD Centre
79 Wellington Street West
Toronto, Ontario
M5K 1N2
Telephone: (416) 865-7317
FAX: (416) 865-7380
Email: jlaskin@torys.com
3000 Maritime Life Tower, TD Centre
79 Wellington Street West
Toronto, Ontario
M5K 1N2
Telephone: (416) 865-7317
FAX: (416) 865-7380
Email: jlaskin@torys.com
Agent
Patricia J. Wilson
Osler, Hoskin & Harcourt LLP
340 Albert Street
Suite 1900
Ottawa, Ontario
K1R 7Y6
Telephone: (613) 787-1009
FAX: (613) 235-2867
Email: pwilson@osler.com
340 Albert Street
Suite 1900
Ottawa, Ontario
K1R 7Y6
Telephone: (613) 787-1009
FAX: (613) 235-2867
Email: pwilson@osler.com
Summary
Keywords
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Summary
Case summaries are prepared by the Office of the Registrar of the Supreme Court of Canada (Law Branch). Please note that summaries are not provided to the Judges of the Court. They are placed on the Court file and website for information purposes only.
Consumer Protection - Financial Institutions - Credit Cards - Did the Court of Appeal err when it held that the Respondents’ conversion fees were not credit charges within the meaning of ss. 69 and 70 of the Consumer Protection Act, R.S.Q., c. P-40.1 (the “CPA”)? - Did the Court of Appeal err in stating in obiter that the violation of the CPA was covered by section 271 of this act? - On the issue of prescription, did the Court of Appeal err in finding in obiter that a new contract is not formed under the CPA when a new credit card is issued to the consumer? - Are the plaintiffs entitled to restitution under the Civil Code of Québec?
Constitutional Law - Interjurisdictional Immunity - Federal Paramountcy - Financial Institutions - Credit Cards - Consumer Protection - Applicability and Operability of the CPA in conjunction with Bank Act, S.C. 1991, c. 46, as am. and the Cost of Borrowing (Banks) Regulations, SOR/2001-101, as am. - Are ss. 12, 66-72, 83, 91, 92, 126, 127, 219, 228, and 271-272 of the Consumer Protection Act, R.S.Q., c. P-40.1, and ss. 55-61 of the Regulation respecting the application of the Consumer Protection Act, R.R.Q., c. P-40.1, r. 3, constitutionally inapplicable in respect of bank-issued credit cards by reason of the doctrine of interjurisdictional immunity? - Are ss. 12, 66-72, 83, 91, 92, 126, 127, 219, 228, and 271-272 of the Consumer Protection Act, R.S.Q., c. P-40.1, and ss. 55-61 of the Regulation respecting the application of the Consumer Protection Act, R.R.Q., c. P-40.1, r. 3, constitutionally inoperative in respect of bank-issued credit cards by reason of the doctrine of federal paramountcy?
Civil procedure - Class Actions - Do the plaintiffs have standing to bring an industry-wide class action without a cause of action against certain defendants?
In the context of this class action, the representative plaintiffs alleged that various banking institutions breached the CPA by failing to disclose foreign exchange conversion charges on credit cards as a “credit charge”. The CPA requires that all “credit charges” be included as part of the “credit rate” and disclosed to cardholders as an annual percentage. The representative plaintiffs further alleged that as a “credit charge”, foreign exchange charges were subject to the CPA’s 21-day “grace period” and hence could not be imposed to consumers who paid their balance within the grace period. Finally, it was also contended that during certain periods, the banking institutions did not disclose the foreign exchange conversion charge separately, thereby triggering liability for restitution and punitive damages under the CPA. All of these allegations were denied by the banking institutions, who maintained that foreign exchange conversion charges are not “credit charges” within the meaning of the CPA. Rather, it was contended that the charges at issue are part of the “net capital”, and are accordingly not subject to the provisions of the CPA regarding the manner in which the credit rate must be disclosed. Alternatively, on the basis of existing federal legislation applicable to the banking industry, the banking institutions contended that the CPA is constitutionally inapplicable under the interjurisdictional immunity doctrine, and that it is otherwise inoperative under the paramountcy doctrine.
Lower court rulings
June 11, 2009
Superior Court of Quebec
500-06-000197-034
Superior Court of Quebec
500-06-000197-034
Class action allowed in part, inter alia on grounds that foreign currency conversion commissions were charged to the class members in violation of the CPA, the application and operability of which were not barred by either the doctrine of interjurisdictional immunity or the doctrine of federal paramountcy.
August 2, 2012
Court of Appeal of Quebec (Montréal)
2012 QCCA 1396, 500-09-019849-090, 500-09-019850-098, 500-09-019851-096, 500-09-019852-094, 500-09-019853-092, 500-09-019854-090, 500-09-019855-097, 500-09-019856-095, 500-09-019857-093
Court of Appeal of Quebec (Montréal)
2012 QCCA 1396, 500-09-019849-090, 500-09-019850-098, 500-09-019851-096, 500-09-019852-094, 500-09-019853-092, 500-09-019854-090, 500-09-019855-097, 500-09-019856-095, 500-09-019857-093
Appeals allowed in part.
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The factums of the appellant, the respondent and the intervener will be posted here at least 2 weeks before the hearing unless they contain personal information, information that is subject to a publication ban, or any other information that is not part of the public record. You may also obtain copies of factums by filling out the Request for Court records form or by contacting the Court’s Records Centre either by email at records-dossiers@scc-csc.ca or by telephone at 613‑996‑7933 or at 1‑888‑551‑1185.
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Date modified: 2025-02-27