{"id":2330,"date":"2022-10-05T21:50:00","date_gmt":"2022-10-05T21:50:00","guid":{"rendered":"https:\/\/cfacanada.org\/department-of-finance-government-of-canada-consultation-on-fighting-predatory-lending\/"},"modified":"2023-03-17T20:05:46","modified_gmt":"2023-03-17T20:05:46","slug":"department-of-finance-government-of-canada-consultation-on-fighting-predatory-lending","status":"publish","type":"post","link":"https:\/\/cfacanada.org\/fr\/department-of-finance-government-of-canada-consultation-on-fighting-predatory-lending\/","title":{"rendered":"Department of Finance – Government of Canada – Consultation on Fighting Predatory Lending"},"content":{"rendered":"
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Department of Finance – Government of Canada – Consultation on Fighting Predatory Lending<\/h1>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n\n\n\n\n\n

T\u00e9l\u00e9charger le PDF :<\/h2>\n\n\n\n

Department of Finance – Government of Canada – Consultation on Fighting Predatory Lending<\/a><\/p>\n\n\n\n

<\/div>\n\n\n\n

<\/p>\n\n\n\n

R\u00e9sum\u00e9 de la lettre :<\/h2>\n\n\n\n

Dans le cadre du budget 2021, le gouvernement a indiqu\u00e9 son intention de mener une consultation sur la lutte contre les pr\u00eats abusifs en abaissant le taux d’int\u00e9r\u00eat criminel (actuellement fix\u00e9 \u00e0 60 %). Le document de consultation pose un certain nombre de questions relatives au taux d’int\u00e9r\u00eat criminel et \u00e0 l’impact des pr\u00eats \u00e0 temp\u00e9rament \u00e0 co\u00fbt \u00e9lev\u00e9. La consultation ne porte pas sur les pr\u00eats sur salaire, qui sont r\u00e9glement\u00e9s au niveau provincial. Les questions portent notamment sur le fait de savoir si les taux d’int\u00e9r\u00eat fix\u00e9s par les pr\u00eateurs alternatifs \u00e0 co\u00fbt \u00e9lev\u00e9 refl\u00e8tent le risque de cr\u00e9dit de l’emprunteur ou s’ils sont fix\u00e9s pour respecter les plafonds de taux d’int\u00e9r\u00eat, ainsi que sur l’impact d’une baisse du taux sur l’acc\u00e8s au cr\u00e9dit.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Aper\u00e7u des commentaires du Conseil :<\/h2>\n\n\n\n

Le Conseil soutient fermement les initiatives visant \u00e0 r\u00e9examiner les activit\u00e9s de pr\u00eat potentiellement pr\u00e9datrices ayant un impact sur les consommateurs et estime que des garde-fous suppl\u00e9mentaires sont n\u00e9cessaires pour att\u00e9nuer certaines des pr\u00e9occupations relatives aux prix pr\u00e9dateurs.<\/p>\n\n\n\n

Nos principaux commentaires sont r\u00e9sum\u00e9s ci-dessous :<\/p>\n\n\n\n

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  • Nous pensons qu’il est plus appropri\u00e9 de fixer le taux d’int\u00e9r\u00eat criminel sur la base d’un taux de r\u00e9f\u00e9rence flottant plus une marge maximale autoris\u00e9e plut\u00f4t que par le seul biais d’un plafond de taux d’int\u00e9r\u00eat fixe.<\/li>\n\n\n\n
  • Nous ne pensons pas que la solvabilit\u00e9 de l’emprunteur soit une consid\u00e9ration primordiale pour de nombreux pr\u00eats accord\u00e9s par le biais de canaux de pr\u00eat alternatifs.<\/li>\n\n\n\n
  • Nous pensons que les consommateurs financiers acc\u00e8dent aux pr\u00eats \u00e0 temp\u00e9rament \u00e0 co\u00fbt \u00e9lev\u00e9 pour de nombreuses raisons, notamment parce qu’ils ne sont pas qualifi\u00e9s pour obtenir un pr\u00eat aupr\u00e8s des pr\u00eateurs traditionnels et parce qu’ils sont attir\u00e9s par les canaux pratiques, rapides et accessibles des pr\u00eateurs \u00e0 co\u00fbt \u00e9lev\u00e9.<\/li>\n\n\n\n
  • Pour prot\u00e9ger les consommateurs contre des conditions de pr\u00eat excessives, nous pensons qu’il serait utile d’exiger une m\u00e9thode coh\u00e9rente de calcul des int\u00e9r\u00eats qui ne p\u00e9nalise pas les remboursements anticip\u00e9s ou qui n’impose pas d’int\u00e9r\u00eats sur les int\u00e9r\u00eats, ainsi qu’un d\u00e9lai de r\u00e9flexion r\u00e9aliste.<\/li>\n\n\n\n
  • Nous ne craignons pas que l’abaissement du taux d’int\u00e9r\u00eat criminel ait un impact n\u00e9gatif sur la disponibilit\u00e9 du cr\u00e9dit pour les consommateurs de produits financiers.<\/li>\n\n\n\n
  • \u00c0 notre avis, pour minimiser tout impact n\u00e9gatif sur d’autres types de produits de cr\u00e9dit, la nouvelle r\u00e9glementation devrait tenir compte des taux et des marges en vigueur lors de la fixation d’un nouveau taux criminel.<\/li>\n\n\n\n
  • Nous pensons \u00e9galement qu’il est important d’\u00e9duquer les consommateurs sur les alternatives aux pr\u00eats \u00e0 temp\u00e9rament \u00e0 co\u00fbt \u00e9lev\u00e9, ce qui peut impliquer une solution de pr\u00eat\/banque bas\u00e9e sur les t\u00e9l\u00e9communications dans les r\u00e9gions \u00e9loign\u00e9es et\/ou indig\u00e8nes.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"

    T\u00e9l\u00e9charger le PDF : Department of Finance – Government of Canada – Consultation on Fighting Predatory Lending R\u00e9sum\u00e9 de la lettre : Dans le cadre du budget 2021, le gouvernement a indiqu\u00e9 son intention de mener une consultation sur la lutte contre les pr\u00eats abusifs en abaissant le taux d’int\u00e9r\u00eat criminel (actuellement fix\u00e9 \u00e0 60 […]<\/p>\n","protected":false},"author":6,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[112],"tags":[],"class_list":["post-2330","post","type-post","status-publish","format-standard","hentry","category-department-of-finance-canada-fr"],"acf":[],"featured_image_src":null,"author_info":{"display_name":"katie@sparkadvocacy.ca","author_link":"https:\/\/cfacanada.org\/fr\/author\/katiesparkadvocacy-ca\/"},"yoast_head":"\nDepartment of Finance - Government of Canada - 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