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On January 29, the federal government of Ontario circulated its assessment paper on managing Alternative Financial Services (AFS) and high-cost credit, en en titled “High-Cost Credit in Ontario: Strengthening Protections for Ontario Consumers” (Consultation Paper).

What you should understand

• Growing in appeal, AFS are high-cost monetary solutions provided outside of conventional finance institutions like banking institutions and credit unions. Typical AFS offerings consist of pay day loans, instalment loans, credit lines, and automobile name loans. (mais…)