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    Investment Complaints: OBSI is your one-stop shop

    en-caFebruary 11, 2022
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    About this Episode

    Sarah Bradley, the Ombudsman and CEO of the Ombudsman for Banking Services and Investments (OBSI)  discusses how OBSI can help consumers resolve investment disputes in Canada.  OBSI (https://www.obsi.ca/) is the single independent ombudsman service if you cannot resolve your complaint with your investment company or investment adviser.  OBSI's services are free to consumers. We discuss the scope of OBSI's services and the limitations on their potential monetary awards to consumers, limitations periods and OBSI's interaction with Canadian courts. We also discuss potential changes to OBSI's powers, notably, binding decision authority (so investment companies and advisers can no longer ignore or try to reduce financial compensation awards by OBSI). Typical consumer experiences and what to expect if you file a complaint with OBSI are covered. We also discuss the emerging challenge of cryptocurrency regulation and the types of crypto complaints OBSI receives already.  Note OBSI's informative bulletin on cryptocurrency frauds here:https://www.obsi.ca/en/news/consumer-bulletin-cryptocurrency-scams-increasingly-targeting-and-exploiting-canadians.aspx

    Finally, in our "Told you so" segment, PIAC and the National Pensioners Federation (NPF) celebrate a

    recent CRTC decision

    that,

    like we said 5 years ago

    should be the case, gives some consumers (seniors, persons with disabilities, those without a home internet package from the same company) the right to request a paper bill for telecommunications (Internet, cellphone, home phone) and broadcasting (paid TV services, including cable TV, IPTV and satellite TV) service. We worked for five years to get at least this. Consumers stand up!

    Recent Episodes from We fight for that

    Geist in the CRTC Machine

    Geist in the CRTC Machine

    NOTE : apologies for a mistake about what the Broadcasting Act actually says about affordability.  Also, please follow Prof. Geist's podcast: Law Bytes .

    We recap the inaugural appearance of Professor Michael Geist, law professor at the University of Ottawa where he holds the Canada Research Chair in Internet and E-commerce Law and is a member of the Centre for Law, Technology and Society.

    Professor Geist was greeted with an incantatory acknowledgment and it just got weirder from there.

    We discuss this first public hearing on Canada's new version of the Broadcasting Act, which is the result of Bill C-11, the Online Streaming Act, which Prof. Geist appeared before Parliament on, on many occasions. It seems his reputation proceeded him, and the questioning was bizarre and perhaps revealed more about the CRTC's view of viewers and consumers than it did about Prof. Geist's opinions on how much money should go from the "online streamers" to the "Canadian broadcasting system".

    The public and consumer interest in broadcasting got a bit of an airing but not much progress appears to have been made despite the new Act and the raising of the consumer interest directly by Prof. Geist.

    Much speculation on the role such consumer concerns might play in the first of many decisions to follow ensues, including worries that the consumer interest has not been stated strongly enough.  We also discuss the order of the proceeding, which can be viewed as weirdly backwards, perhaps for political reasons.

    Advocacy, it turns out, is hard, but hopefully worthwhile, because someone has to make sure this thing works out.

    Post-Rogers-Shaw: A New Hope?

    Post-Rogers-Shaw: A New Hope?

    Well, we are back after a long hiatus (sorry, stuff going on in Canadian communications!) to survey the competitive landscape after the Rogers-Shaw deal closed in Spring of 2023 - two years and 15 days after being announced.

    We speak with George Burger, Chief Operating Officer, about the Canadian home Internet market post-Rogers-Shaw; why VMedia and Videotron (Quebecor) are a strong independent disrupter outside Québec that will only help consumers, and why the wireless market may just reward us with a strong 4th player (yes, please!).

    Not quite sure if it's going to come true, but hopium at this stage is good.

    We end with a dunk on those people who thought Bill C-11 meant more money for Canadian creators.  Turns out traditional broadcasters are not as keen on funding it when they think someone else will pay.

    A Christmas Scarol - Competition Tribunal on Rogers-Shaw

    A Christmas Scarol - Competition Tribunal on Rogers-Shaw

    This episode recounts the dramatic, rapid decision(s) of the Competition Tribunal allowing the merger of Shaw and Rogers (with divestment of Freedom Mobile to Videotron) and why that is weird, appealable, and not a good sign for Canadian wireless and other telecommunications markets.

    Ben Klass again joins the podcast to give his opinion on the meaning of the decision(s), the appeal, the possible state of the market if the merger proceeds and the weaknesses of Canada's Competition Act and related entities.

    We close with an update on the CBC-Radio-Canada licence renewal decision that was overturned by Cabinet and welcome new CRTC Chairperson Vicky Eatrides. She has a lot to do.

    Wireless Wind of Change?

    Wireless Wind of Change?

    We return to look at the Rogers-Shaw deal and possible different solutions than the divestment of Shaw's wireless business to Videotron (Quebecor) - solutions that might include a "maverick" once and future(?) independent wireless competitor, Globalive, best known as the operator of WIND Mobile before it was sold to Shaw and renamed "Freedom Mobile".  Globalive's Simon Lockie joins the podcast to give the inside scoop on a past and future competitor's efforts to start a fourth national wireless company and whether Globalive can acquire Shaw's "Freedom Mobile" assets if Shaw (or Rogers) must sell them to obtain regulatory approval of the larger Rogers-Shaw deal, which is now before the Competition Tribunal. What Canadians pay for wireless service for the foreseeable future will be decided in the next few months and we discuss all of the possible futures at this hinge point.

    Bill C-27: Privacy, only worse

    Bill C-27: Privacy, only worse

    We discuss Bill C-27, the Consumer Privacy Protection Act, Personal um, something AI and a tribunal, I think? It does not matter, because the federal government took the last bill ('the other' Bill C-11) to try to replace the Personal Information Protection and Electronic Documents Act (PIPEDA) and MADE IT WORSE.  Wow.

    The new Bill C-27 guts consumer privacy by simply abolishing it and replacing it with a regime of business use of consumer information. All done without your knowledge and consent. But don't worry, it will all be used by the artificial intelligence (AI) industry to do whatever discrimination they say is important to do with all of that big data. Oh, sprinkle on the bacon bits of all of the exceptions (legitimate interests (of business)) from the European Union's GDPR with none of the constitutional rights to privacy of the individual they have there, ignore the mismatch with provincial privacy laws (especially Quebec), and just dare Europe to call this Bill what it clearly is: inadequate.

     Plus a bonus update on CRTC's continued low-effort non-proceeding into the Rogers outage.

    With Executive Director John Lawford and PIAC staff lawyer Yuka Sai, who had to figure out the problems with C-11 back in Episode 5.  Ah well, on with the show.

    CRTC Decision on CBC N-word Complaint

    CRTC Decision on CBC N-word Complaint

    NOTICE TO LISTENERS: THIS EPISODE DISCUSSES A RACIAL SLUR (BUT WE DON'T USE IT)

    We also note both commenters are racially white and do not pretend to be able to speak to systemic racism, except in general terms and that this episode is not intended, even indirectly, as a collateral attack on the decision's holding. Rather, the CRTC's way of approaching the issue legally and procedurally is what is discussed.  Since the recording, the CBC has claimed to appeal the decision, but is also agreeing to follow the CRTC's expectations (to issue an apology), which is interesting given the discussion on the episode (see below).

    Returning guest Monica Auer of Canada’s Forum for Research and Policy in Communications (FRPC) discusses the procedural and legal oddities of the CRTC's N-word decision such as why this decision was not dealt with as part of the CBC's licence renewal proceeding, which ran in parallel, and whether the decision can be appealed or petitioned to Cabinet. We also review the more traditional ways to enforce inappropriate language in broadcasts, previous CRTC rulings on broadcast content and similar situations in the past, as well as the unexpectedly difficult efforts to get the CBC's 'Tandem' service discussed in the CBC's licence hearing, a consideration that the complaint at issue in this episode did not get. We then have a discussion of how the decision is structured avoids finding the CBC in breach of its licence or the Radio Regulations and the requirements to alert Parliament or to face a fine. Finally, we close with the concept of freedom of expression as filtered through the Broadcasting Act and the limits on that expression when speech is broadcast, under the Act's s. 3(1)(g) "high standard" requirement. We close with a discussion of whether Bill C-11 can be amended to avoid this type of awkward approach by the CRTC in the future.

    Fixing Bill C-11 for Consumers - Part 2 with Scott Benzie

    Fixing Bill C-11 for Consumers - Part 2 with Scott Benzie

    PIAC discusses Bill C-11 - the "Online Streaming Act" with Scott Benzie of Digital First Canada, a group representing Canadians making user-generated content on social media and related platforms.  We discuss PIAC's proposal of "statIc" versus "dynamic" discoverability as a method to reach a compromise between promotion of Canadian content and user-generated content. We also discuss algorithmic platforms and the present environment for digital creators in Canada as well as several scenarios and their effect on viewers and creators if C-11 passes as is. Part 2 of 2 part special.

    PIAC remarks to Standing Committee on Canadian Heritage on Bill C-11 are found here. PIAC argued for a fix to the “discoverability” sticking point to solve the “user-generated content” question.  Too bad we got no questions on our proposal from MPs. We are not sure ignoring consumers helps.  PIAC will seek to appear before the Senate of Canada during its consideration of Bill C-11.

    Fixing Bill C-11 for Consumers - Part 1

    Fixing Bill C-11 for Consumers - Part 1

    PIAC discusses, once again, Bill C-11 - the "Online Streaming Act" which is an Act to Amend the Broadcasting Act, to, among other things, require "Internet broadcasters" to be registered under Canadian law and contribute to the creation of "Canadian content" or more simply, "CanCon". We recap PIAC's appearance before the Standing Committee on Canadian Heritage at the House of Commons (CHPC) and in particular, detail our idea to "fix" C-11, in particular, the user-generated content issue.

    We argue that the "discoverability" issue and the "exemption" of "YouTubers" and other online content creators that has roiled the House and the (Canadian) Internet can be managed by reducing its scope. Our idea is to define discoverability as not not one concept but two: static discoverability and dynamic discoverability. "Static discoverability" is a banner on YouTube or another platform that simply links, upon a consumer click, to selected CanCon. It is “static”, unobtrusive and, likely, unobjectionable to consumers but still clearly “promotes and recommends” CanCon. "Dynamic discoverability" requires AI prediction tools to insert a CanCon video or song into a user’s autoplay feature, or to ‘dynamically’ suggest links.  It is intrusive and disruptive to the user’s expectations and experience. It is overkill to achieve the goal to “promote and recommend” CanCon.

    Our recommendation is to amend the Bill by removing language requiring dynamic discoverability but leaving language requiring static discoverability. This will also take pressure off the question of what CanCon should be defined as.  Discuss.

    This is Part 1 of 2 part special. Our second part will feature a representative of the user-generated content community.

    De-Crypting Cryptocurrencies for Consumers

    De-Crypting Cryptocurrencies for Consumers

    Guarav Arora, University of Ottawa Master's student in the law department and recent tech law intern at PIAC, sits down to describe, and in some cases to defend against the host, cryptocurrencies (and blockchain and distributed ledger technologies in general) and their derivative products like non-fungible tokens (NFTs), stablecoins, initial coin offerings (ICOs), decentralized finance (de-fi), distributed autonomous organizations (DAOs), smart contracts, and the coming metaverse and its relation to finance. We try to see the potential benefits while being realistic about the relative lack of regulatory controls in this area (currency controls and investment regulation) and why consumers should be cautious about this area while waiting for it to be made more safe and consumer-positive.  Because this is such a new and challenging area, we essentially run out of time, so likely this will be the first of a few podcasts on crypto.  Enjoy!

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