The Canadian Payments Association Membership Requirements Regulations govern the requirements for membership in the Canadian Payments Association. The regulations apply to persons referred to in paragraph 4(2)(a) and 4(2)(e) of the Canadian Payments Act. For persons referred to in paragraph 4(2)(a) (excluding centrals, trust companies, and loan companies), the requirement for membership is that there are deposits made with them that are insured or guaranteed under a federal or provincial statute.

Canadian Payments Association By-law No. 3 Payment Items and Automated Clearing Settlement System is a regulation that governs the payment items and the automated clearing settlement system in Canada. It applies to direct clearers, group clearers, clearing agents, and the Bank of Canada who make entries into the Automated Clearing Settlement System (ACSS). The by-law defines various terms related to the ACSS, such as ACSS cycle, automated clearing settlement system, business day, clearing, clearing agent, clearing balance, direct clearer, exchange, federal credit union, final adjustment time, group, group clearer, indirect clearer, pledge, regional exchange point, and settlement.

Canadian Payments Association By-law No. 6 Compliance is a regulatory document that outlines the compliance procedures and processes within the Canadian Payments Association. It applies to both members and non-members who are subject to compliance investigations. The by-law defines key terms and concepts related to compliance, such as contraventions by members and non-members. It establishes the authority of the President to initiate investigations based on reasonable belief of contraventions and outlines the requirements for filing complaints.

The Federal-Provincial Fiscal Arrangements Regulations, 2007 govern the fiscal arrangements between the federal government and the provinces and territories in Canada. The regulations provide definitions for various terms used in the document, such as ‘adjusted number of litres of diesel fuel taxed at road-use rate’ and ‘assessed market value of residential property’. The regulations also specify the application of different parts of the regulations to different fiscal years. Yukon, the Northwest Territories, and Nunavut are exempt from certain parts of the regulations.

The Remote Sensing Space Systems Regulations govern the operation of remote sensing space systems. It applies to entities involved in the operation of these systems, such as corporations, partnerships, governments, and government agencies. The regulations cover various aspects, including the issuance, amendment, and renewal of licenses, general requirements for applications, conditions of licenses, protection of commands and data, archiving and access to raw data, notifications to the Minister, maintenance of records, reports, representations, and violations.

The Deposit Type Instruments Regulations, issued under the Bank Act, Cooperative Credit Associations Act, and Trust and Loan Companies Act, govern the disclosure requirements for institutions issuing deposit type instruments in Canada. The regulations require institutions to provide clear and simple language in their disclosures, including information about the annual rate of interest, charges, investment period, redemption options, and eligibility for deposit insurance coverage. The regulations also specify the manner of disclosure for agreements entered into by telephone or electronic means, as well as the calculation of time for disclosure by mail.

The Access to Funds Regulations govern the availability of funds deposited by cheques or other instruments in Canadian financial institutions. The regulations apply to financial institutions, eligible enterprises, and individuals who deposit such instruments. The regulations specify the maximum hold periods for funds deposited, with different timeframes based on the amount and manner of deposit. There are exceptions to these hold periods, such as when there is a material increased credit risk or when the deposit is made for illegal or fraudulent purposes.

The Prepaid Payment Products Regulations apply to prepaid payment products that are issued in Canada by institutions. The regulations require clear and simple language in any disclosure related to the products. They outline the manner and content of initial disclosures, including information about the issuing institution, restrictions on product use, fees, and expiration of the right to use funds. The regulations also specify additional disclosure requirements on issuance of the product, including terms and conditions, balance verification, and partial payment options.

The Electronic Commerce Protection Regulations, issued under the Act to promote the efficiency and adaptability of the Canadian economy, regulate certain activities that discourage reliance on electronic means of carrying out commercial activities. The regulations apply to organizations and individuals who send or receive commercial electronic messages. The document provides definitions for family relationship and personal relationship, and outlines exemptions for certain types of messages. It also specifies conditions for the use of consent and lists specified computer programs.

The Canadian Payments Association Reporting Requirements Regulations, enacted under the Canadian Payments Act, govern the reporting requirements for the Canadian Payments Association. The regulations require the Association to prepare a five-year corporate plan, which includes operating and capital expenditures budgets, forecasts, audited financial statements, and explanations of any major variances. The Board of the Association must submit the plan to the Minister for approval and any significant amendments must also be approved.