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Recent Reports

2017-18 Reports

Consumers and Product Insurance Purchase Decisions

This research examines consumer experiences, attitudes and common misunderstandings with extended coverage programs such as “product protection plans” or “extended service plans”. Download

Consumers' Experience with Higher Cost Credit

This research examines high-cost credit offerings, such as installment loans, to improve the knowledge of the Canadian consumer's experience when they attempt to secure credit through storefronts and online. Download

Mandatory Energy Rating and Disclosure for Existing Houses: Opportunities and Risks for Consumers

This research examines options for mandatory disclosure of home energy ratings for existing houses across Canada and its potential impact on consumers’ decisions. Download

2016-17 Reports

Dynamic Pricing - Can Consumers Achieve the Benefits They Expect?

This research reportl outlines the possible harms to consumers from potentially exploitative pricing practices as retail business moves to more extensive use of dynamic pricing, what consumers can do to protect themselves, how aware they are of the risks, and what business and government can do to ensure consumers' rights are protected. Download

Consumer Redress, Chargebacks and Merchant Responses in Distant Transactions

This research concersn consumer attitudes and merchant responses related to disputes in e-commerce (or distant) transactions. It will examine what consumers do to reconcile disputes with merchants, how merchants respond to what consumers do, how changing accounts management and debt collection affect and are affected by these trends. Download

Incenting Energy Efficient Retrofits: Risks and Opportunities for Consumers

This research focused on the risks and opportunities for consumers of home energy efficiency retrofits and renovations driven by government and utility incentives. The resulting report examines how consumers benefit from incentive programs and what risks they assume when renovations or retrofits are completed. The study will examine the safeguards governments and utilities have adopted to protect consumers from renovations that are not properly executed. Download

2015-16 Reports

Strengthening the marketplace through a Consumer Protection Framework for consumer online reviews

This research outlines harms to consumers from misleading, fraudulent, inauthentic and inappropriate reviews, what consumers can do to protect themselves, what business and government can do to ensure consumers’ rights are protected, as well as provides input into the ISO Technical Committee on Online Reputation, and more specifically their International Working Group on Consumer Online Reviews. Download

Towards a National Housing Strategy

The Consumers Council of Canada's response to the Fall 2016 federal government consultation concerning a National Housing Strategy for Canada. Download

Consumer Experiences with Rent-to-Own

The Consumers Council of Canada has conducted an examination of the rent-to-own offerings available to typical consumers. The research provides a perspective on two questions: 1) What information do rent-to-own providers deliver to potential customers prior to completing a rent-to-own transaction? 2) To what extent does this experience meet relevant provincial rules, including consumer protection rules? Download

In Touch with e-Consumer Protection?

The Consumers Council of Canada's conference concerning e-consumer protection themes, documented in this report, created a timely opportunity for thought leaders in the private, public and not-for-profit sectors to discuss existing and emerging trends and consumer rights and responsibilities in e-commerce. Download

Residential Intensification: The Impact on Consumers

The Consumers Council invited 12 individuals representing the housing industry, skilled experts, and consumers, to join a panel to examine the impact of residential intensification. Panel members looked at where we have been and the shape of things to come. Following a consensus process, they made 24 recommendations which taken together suggest that in the future consumers have to be better informed about condominium purchases and high-density living; planning policies must reflect the rapid shift to intensification; a higher demand will be placed on the performance of new and existing buildings; and the need for affordable housing can only grow. Download

2014-15 Reports

Improving Online Agreements: "It's Not Rocket Science!"

Studies show that Canadians are concerned about online privacy and e-commerce risk. Canadians seldom read, often for good reason, the online agreements necessary to understand and manage these risks. This report presents practical guidelines for the display of findable, usable and relevant online agreements. Download

Consumers Council of Canada received funding from the Canadian Internet Registration Authority (CIRA) to produce the project. Views expressed in relation to this work are not necessarily those of CIRA. CIRA manages the .CA top-level domain, Canada's online identifier, on behalf of all Canadians. A Member-driven organization, CIRA also facilitates the development of a better Internet for all Canadians, and represents the .CA registry internationally.

Options for a 'Sustained Institutional Role' for Consumer Organizations in 'Internal Trade' Harmonization Initiatives

Research by the Consumers Council of Canada has found the Canadian public will expect well-resourced consumer groups to be part of any stakeholder process attached to the next round of negotiations among the federal and provincial governments concerning internal trade. Download

Consumer Experiences in Online Payday Loans

To improve knowledge of consumers' experiences when they look for payday loans online, the Council has conducted an examination of the online payday loan services available to typical Canadian consumers. Download

Stuck in the Middle: Consumers, Transaction Fees and Loyalty Programs

A force driving credit card transaction costs is increased rewards for loyalty programs. The funding for points/miles/cash rewards and other benefits is generally drawn from the fees paid on retail credit card transactions. This research provides a summary of publicly available information on different dimensions of loyalty programs, transaction costs and card fees, views of key market participants as to where the consumer interest lies, and focus group evidence of how typical Canadian consumers may view contemplated changes to credit card and rewards programs. Download

2013-14 Reports

Hockey Equipment Comparison Price Study, 2013 vs. 2014, Canada and United States

The 2013 federal budget included a provision to eliminate tariffs on certain sports and athletic equipment, including ice skates and other hockey equipment. The government’s stated aim was to “reduce the gap in retail prices that Canadian consumers pay compared to those in the U.S.” The Consumers Council of Canada tracked the online prices of more than 330 junior and youth hockey equipment items available through leading online retailers in Canada and the United States from April 2013 to April 2014. Download

Will Consumers Benefit from Enhanced Product Labeling on Energy-Efficient Products?

Few studies have examined how Energy Star and EnerGuide labels are used and how well these labels are understood by consumers. It its unknown if consumers want information beyond what is currently on these labels to aid in making informed choices on energy efficient products. Historically it is known that consumers want to compare and contrast items prior to making a purchasing decision. This research contributes to understanding the information needed by consumers to make these comparisons. Download

Consumer Perspective 360° - Residential Intensification: Density and Its Discontents

Residential intensification has been a planning objective in Ontario for decades, but has recently followed a path quite different than in the past. The type of building that provides a home to many people can now be as tall as an office tower.  New, multiple residential buildings, in Ontario and BC, have a larger share of the market than ground oriented low-rise housing. This has not happened without controversy.

The purchase of a home may be the most important investment decision most Canadians will make. The Council intends that this 360° Report educate and inform consumers of events that could impact a decision to purchase a home in new developments with increased density.  It also identifies policies and market trends, lists the rights and responsibilities consumers possess, describes where to obtain information, and the information that is still lacking. It was developed to form the basis of discussion for a panel of stakeholders concerned with the issue area. Download

2012-13 Reports

Report of the Consumer Group Panel on Food Information, Labelling and Advertising

The Consumer Group Panel on Food Information, Labelling and Advertising has produced a landmark report concerning the consumer interest in food information. It represents the collaboration of six major Canadian consumer-focused organizations, including three Canadian multi-issue consumer groups and three Canadian organizations with particular concerns about how people are affected by food and food information. Download.

Cyber Threats on Mobile Devices

This research focused on identifying current and emerging risks and trends of cyber threats on mobile devices to the Canadian consumer; determining the nature and awareness and understanding of these risks  and how, if at all, such risks can be mitigated; and recommending actions to be taken by consumers and consumer organizations, regulatory bodies, application developers and the developers of mobile operating environments to help protect the Canadian consumer. Download Report in English or French/Télécharger le rapport en anglais ou en français (PDF)

2011-12 Reports

Do Smartphones Make for Smarter Consumers?

Research examining the emerging trend of large retailers in providing product and purchase information through smartphone applications. It identifies information that consumers use at point of purchase of products and the extent to which these applications meet their needs.

Download Report in English or French/Télécharger le rapport en anglais ou en français (PDF, EPUB)

2010-11 Reports

Canadian Consumers' Online Reputations - Awareness, Misuse and Repair

A research project on the phenomenon of consumers' online identities being misused by others resulting in potential damage to a consumer's reputation, with a focus on the services of reputation repair offered by various organizations and businesses. This research conducted a practical and useful evaluation of products and services purporting to help Canadians find and/or manage their online information and reputation.

Download Executive Summary and Full Report or Download French Version of Executive Summary/Télécharger la version française de la Note d'information exécutif

The Impact of Higher Energy Efficiency Standards on Housing Affordability in Alberta

A study commissioned by NAIMA Canada and the Consumers Council of Canada to determine whether EnerGuide 80 energy efficient homes in Alberta can improve affordability for consumers.  Download

2009-10 Reports

Tax-Free Savings Accounts

Since January 2009, Canadians have been able to use a Tax-Free Savings Account (TFSA) as part of their personal financial planning. Introduced in the February 2008 Federal Budget, the new TFSA could radically alter the way Canadians save for the future and manage their investments. Over the balance of 2008, there was a great deal of speculation about how much and how Canadians might use this new program. The Consumers Council of Canadas research investigated and evaluated the early patterns of TFSA usage among Canadian consumers. Download

Wireless Plans

The Canadian government has completed a much-anticipated wireless spectrum auction, which has enabled several new wireless service providers to emerge. The consumer adoption rate for wireless service will increase rapidly with many new operators and/or service plans. Consumer complaints related to wireless charges have been many. Research in the wireless prepaid and postpaid area was required to understand consumer satisfaction and concerns. The research helps identify the source of complaints and makes recommendations to address perceived unfair practices. Download

Corporate Social Responsibility

Consumers consistently tell researchers that they are concerned about the impact of the products they purchase, and that they prefer to make purchases from organizations that take social and environmental responsibilities seriously. In Canada, a majority of members of the public are reportedly paying attention to issues related to social responsibility in purchasing decisions. However, a major gap between consumers' concern and their everyday actions remains even where information is available to guide choices. This project proposes to better understand what elements help to enhance the credibility among consumers of reports and claims about social responsibility made by organizations, and to identify how to assure the public in their decision-making on socially responsible purchases, in order to build smart, people-centred assurance practices that both empower consumers and strengthen marketing performance. Download

Assessing Consumer Impacts

A directive of the federal cabinet on streamlining regulations has given rise to a new Regulatory Impact Analysis Statement (RIAS) intended to incorporate, among other things, an assessment of the impact of proposed policies and regulations on consumers. Office of Consumer Affairs, Industry Canada, is developing a draft of a guide, to be used in assessing the impact of proposed policies and regulations on consumers. This research is important because the direct involvement in Canada of consumer groups in assessing consumer impacts of proposed regulations and policies for Regulatory Impact Analysis Statements would be a new development. This research considers the resources, processes and standards necessary for effective participation in such assessments by Canadian consumer organizations. Download


2008-09 Reports

Sustainable Household Consumption: Key Considerations for a Canadian Strategy

This report presents key considerations and elements of a household consumption strategy for Canada, within the context of the federal government's current efforts to develop a Sustainable Consumption and Production Framework. Embedding the household strategy within this broader SCP framework is essential, as a central conclusion of this report is that households cannot advance sustainable consumption on their own but require collective solutions and collective actions by government and other stakeholders. (March 2009, Released June 2009) Download

The Ontario Smart Metering Initiative - What Does It Mean for Ontario's Residential Consumers

This report explores the Ontario policy initiative to install smart meters in all homes and businesses by 2010 and focuses on the expected impacts on residential consumers. Costs and benefits for Ontario consumers are explored and informed by the results of pilot programs undertaken both in the U.S. and in Ontario. The paper also identifies potential problems with the rollout of the Ontario initiative as well as recommended solutions. (March 2009, Released June 2009) Download

Long Distance Phone Cards - Are Consumers Satisfied?

This report investigates consumer issues concerning prepaid phone cards. In light of recent regulation disallowing expiry dates on gift certificates and gift cards in Ontario, the Council sought to investigate the breadth of consumer issues with prepaid long distance calling cards and whether similar expiration policies and regulation should apply to prepaid phone cards. It makes recommendations concerning price and service disclosure and the handling of consumer complaints. (March 2009, Released June 2009) Download

Renovation Rip-Offs: Problems and Solutions

This report on the home renovation marketplace focuses on key causes of complaints, perceived problems and a variety of frameworks considered and existing to address consumer concerns. It attempts to go beyond the tips and checklists for hiring renovators and to assess the state of a seemingly troubled marketplace. (March 2009, Released June 2009) Download

Creditors Insurance - Are Consumers Being Well Served?

Creditors insurance, such as found on credit cards, lines of credit, personal loans, and mortgages life insurance and mortgage default insurance, is marketed to protect consumers and their families from the obligations associated with existing credit in the event of a borrowers death, critical illness, disability or involuntary job loss. A variety of insurance products exist fitting this general description. This research focused particularly on the consumers ability to make an informed decision, and it examines creditors insurances scope, cost structure, and how it compares to other insurance products. (March 2009, Released June 2009) Download

Research on Consumer Protection, Civil Enforcement & Consumer Advocacy

This study identified consumers of goods and services who are vulnerable and require assistance to examine the type and extent of the assistance they require. It identified the help provided to vulnerable consumers and examined the best methods and programs to deliver the required assistance to them in the future. (March 2009, Released June 2009) Download

More Reports

Consumers' Willingness to Pay for Climate Change

Consumers Council's Research Report on Canadian Consumers' willingness to pay for energy efficiency and other initiatives that would contribute to the reduction of climate change. Download

Energy Efficiency and Building Codes

Report prepared for the Consumers Council of Canada by Michael Lio Download

Financial support from Industry Canada to conduct the research on which this report is based is gratefully acknowledged. The views expressed in this report are not necessarily those of Industry Canada or of the Government of Canada.

Gaps in New Home Warranty Programs Across Canada

The Consumer Council's research into differences among provincial New Home Warranty programs. Download

Nanotechnology and Its Impact on Consumers

Report Prepared for the Consumers Council of Canada by Elizabeth Nielsen, Ph.D.

Nanotechnology, one of the key emerging technologies of this century, has the potential to provide consumers with a number of significant benefits and profoundly affect all aspects of their lives. These include energy efficiency, pollution prevention and clean up, diagnosis and treatment of disease and safe food and water. Nano enhanced products may also play a major role in reducing risks such as injury in car crashes, fire and earthquake damage due to their increased strength, flame resistance and flexibility. While the benefits of these technologies appear almost limitless, they will only be realized if consumers are confident that any potential adverse effects of nanotechnologies are identified, studied and managed. Download

Improving the Effectiveness of Consumer and Public Representatives on Delegated Administrative Authorities

Consumer Council's report on how to improve Consumer Representation. Download

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