Question: 1. The current legislative framework for payday loans varies from province to province, but essentially allows lenders to loan funds to consumers at interest rates

1. The current legislative framework for payday loans varies from province to province, but essentially allows lenders to loan funds to consumers at interest rates that would otherwise be considered criminal. Do existing payday loan laws adequately balance the interests between lenders, borrowers, and the public? Should payday loans be allowed at all?

2. Why does the bankruptcy legislation treat individuals differently from corporations regarding a discharge from bankruptcy? Is this treatment appropriate?

3. A manufacturing business is in the process of applying for property insurance. What kind of information must the business disclose to the insurance company? Why can insurance companies deny coverage on the basis of non- disclosure or misrepresentation of information?

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