{"id":2695,"date":"2023-02-24T21:35:24","date_gmt":"2023-02-24T21:35:24","guid":{"rendered":"https:\/\/cfacanada.org\/?p=2695"},"modified":"2023-03-17T19:33:24","modified_gmt":"2023-03-17T19:33:24","slug":"fsra-consultation-on-proposed-amendments-to-the-udap-rule-deferred-sales-charges","status":"publish","type":"post","link":"https:\/\/cfacanada.org\/fr\/fsra-consultation-on-proposed-amendments-to-the-udap-rule-deferred-sales-charges\/","title":{"rendered":"FSRA &#8211; Consultation on Proposed Amendments to the UDAP rule \u2013 Deferred Sales Charges"},"content":{"rendered":"    <div class=\"hero hero--without-image hero-banner-block alignfull\">\n        <div class=\"hero__wrapper container\">\n            <div class=\"row justify-content-between align-items-center g-0\">\n                <div class=\"d-flex col-12\">\n                    <div class=\"hero__content\">\n                        <h1 class=\"hero__title\">FSRA &#8211; Consultation on Proposed Amendments to the UDAP rule \u2013 Deferred Sales Charges<\/h1>\n                                                                                            <\/div>\n                <\/div>\n                            <\/div>\n        <\/div>\n    <\/div>\n\n\n\n\n\n<h2 class=\"wp-block-heading\">T\u00e9l\u00e9charger le PDF :<\/h2>\n\n\n\n<p><a href=\"http:\/\/cfacanada.org\/wp-content\/uploads\/2023\/02\/FSRA-UDAP-Rule-Deferred-Sales-Charges.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">FSRA &#8211; Consultation on Proposed Amendments to the UDAP rule \u2013 Deferred Sales Charges<\/a><\/p>\n\n\n\n<div style=\"height:32px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">R\u00e9sum\u00e9 de la lettre :<\/h2>\n\n\n\n<p>Les modifications propos\u00e9es auraient une incidence sur la r\u00e8gle relative aux actes ou pratiques malhonn\u00eates ou mensongers (UDAP) en vertu de la Loi sur les assurances. Apr\u00e8s le 1er juin 2023, il sera interdit \u00e0 tout nouveau contrat de fonds distinct individuel d&rsquo;inclure une option de frais d&rsquo;acquisition report\u00e9s. Les contrats de fonds distincts individuels existants qui comportent d\u00e9j\u00e0 une option de frais d&rsquo;acquisition report\u00e9s ne pourront pas \u00eatre modifi\u00e9s de mani\u00e8re \u00e0 rendre l&rsquo;option de frais d&rsquo;acquisition report\u00e9s plus punitive, et des exigences suppl\u00e9mentaires s&rsquo;appliqueront, y compris une nouvelle obligation d&rsquo;information du consommateur.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Aper\u00e7u des commentaires du Conseil :<\/h2>\n\n\n\n<p>Le Conseil soutient la proposition d&rsquo;interdiction des DSC, ainsi que l&rsquo;\u00e9limination g\u00e9n\u00e9rale des conflits d&rsquo;int\u00e9r\u00eats et de l&rsquo;arbitrage r\u00e9glementaire. Toutefois, le Conseil estime qu&rsquo;une information suppl\u00e9mentaire est n\u00e9cessaire pour que les clients comprennent pleinement les co\u00fbts des options de vente disponibles ou choisies. Le Conseil demande \u00e9galement \u00e0 la FSRA d&rsquo;examiner la possibilit\u00e9 d&rsquo;interdire l&rsquo;option de r\u00e9trofacturation par le conseiller, car elle soul\u00e8ve des questions inh\u00e9rentes aux conflits d&rsquo;int\u00e9r\u00eats. Dans l&rsquo;ensemble, nous soutenons les amendements et nous demandons instamment qu&rsquo;ils soient mis en \u0153uvre d\u00e8s que possible.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>T\u00e9l\u00e9charger le PDF : FSRA &#8211; Consultation on Proposed Amendments to the UDAP rule \u2013 Deferred Sales Charges R\u00e9sum\u00e9 de la lettre : Les modifications propos\u00e9es auraient une incidence sur la r\u00e8gle relative aux actes ou pratiques malhonn\u00eates ou mensongers (UDAP) en vertu de la Loi sur les assurances. Apr\u00e8s le 1er juin 2023, il [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[122],"tags":[],"class_list":["post-2695","post","type-post","status-publish","format-standard","hentry","category-fsra-fr"],"acf":[],"featured_image_src":null,"author_info":{"display_name":"clloyd@cfacanada.org","author_link":"https:\/\/cfacanada.org\/fr\/author\/clloydcfacanada-org\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>FSRA - Consultation on Proposed Amendments to the UDAP rule \u2013 Deferred Sales Charges - CFA Societies Canada<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/cfacanada.org\/fr\/fsra-consultation-on-proposed-amendments-to-the-udap-rule-deferred-sales-charges\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FSRA - Consultation on Proposed Amendments to the UDAP rule \u2013 Deferred Sales Charges - CFA Societies Canada\" \/>\n<meta property=\"og:description\" content=\"T\u00e9l\u00e9charger le PDF : FSRA &#8211; Consultation on Proposed Amendments to the UDAP rule \u2013 Deferred Sales Charges R\u00e9sum\u00e9 de la lettre : Les modifications propos\u00e9es auraient une incidence sur la r\u00e8gle relative aux actes ou pratiques malhonn\u00eates ou mensongers (UDAP) en vertu de la Loi sur les assurances. Apr\u00e8s le 1er juin 2023, il [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/cfacanada.org\/fr\/fsra-consultation-on-proposed-amendments-to-the-udap-rule-deferred-sales-charges\/\" \/>\n<meta property=\"og:site_name\" content=\"CFA Societies Canada\" \/>\n<meta property=\"article:published_time\" content=\"2023-02-24T21:35:24+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-03-17T19:33:24+00:00\" \/>\n<meta name=\"author\" content=\"clloyd@cfacanada.org\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"clloyd@cfacanada.org\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/cfacanada.org\\\/fr\\\/fsra-consultation-on-proposed-amendments-to-the-udap-rule-deferred-sales-charges\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/cfacanada.org\\\/fr\\\/fsra-consultation-on-proposed-amendments-to-the-udap-rule-deferred-sales-charges\\\/\"},\"author\":{\"name\":\"clloyd@cfacanada.org\",\"@id\":\"https:\\\/\\\/cfacanada.org\\\/#\\\/schema\\\/person\\\/bfb8c441f84b1651d6d5ad4a42a07022\"},\"headline\":\"FSRA &#8211; Consultation on Proposed Amendments to the UDAP rule \u2013 Deferred Sales Charges\",\"datePublished\":\"2023-02-24T21:35:24+00:00\",\"dateModified\":\"2023-03-17T19:33:24+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/cfacanada.org\\\/fr\\\/fsra-consultation-on-proposed-amendments-to-the-udap-rule-deferred-sales-charges\\\/\"},\"wordCount\":262,\"articleSection\":[\"Autorit\u00e9 ontarienne de r\u00e9glementation des services financiers (ARSF)\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/cfacanada.org\\\/fr\\\/fsra-consultation-on-proposed-amendments-to-the-udap-rule-deferred-sales-charges\\\/\",\"url\":\"https:\\\/\\\/cfacanada.org\\\/fr\\\/fsra-consultation-on-proposed-amendments-to-the-udap-rule-deferred-sales-charges\\\/\",\"name\":\"FSRA - Consultation on Proposed Amendments to the UDAP rule \u2013 Deferred Sales Charges - CFA Societies Canada\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/cfacanada.org\\\/#website\"},\"datePublished\":\"2023-02-24T21:35:24+00:00\",\"dateModified\":\"2023-03-17T19:33:24+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/cfacanada.org\\\/#\\\/schema\\\/person\\\/bfb8c441f84b1651d6d5ad4a42a07022\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/cfacanada.org\\\/fr\\\/fsra-consultation-on-proposed-amendments-to-the-udap-rule-deferred-sales-charges\\\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/cfacanada.org\\\/fr\\\/fsra-consultation-on-proposed-amendments-to-the-udap-rule-deferred-sales-charges\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/cfacanada.org\\\/fr\\\/fsra-consultation-on-proposed-amendments-to-the-udap-rule-deferred-sales-charges\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/cfacanada.org\\\/fr\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"FSRA &#8211; Consultation on Proposed Amendments to the UDAP rule \u2013 Deferred Sales Charges\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/cfacanada.org\\\/#website\",\"url\":\"https:\\\/\\\/cfacanada.org\\\/\",\"name\":\"CFA Societies Canada\",\"description\":\"Canadian investment values\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/cfacanada.org\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/cfacanada.org\\\/#\\\/schema\\\/person\\\/bfb8c441f84b1651d6d5ad4a42a07022\",\"name\":\"clloyd@cfacanada.org\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/e8c4597d4b4bbce08289f65553ecd58f67134726de8e338b57dada62dc12fcea?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/e8c4597d4b4bbce08289f65553ecd58f67134726de8e338b57dada62dc12fcea?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/e8c4597d4b4bbce08289f65553ecd58f67134726de8e338b57dada62dc12fcea?s=96&d=mm&r=g\",\"caption\":\"clloyd@cfacanada.org\"},\"url\":\"https:\\\/\\\/cfacanada.org\\\/fr\\\/author\\\/clloydcfacanada-org\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"FSRA - Consultation on Proposed Amendments to the UDAP rule \u2013 Deferred Sales Charges - CFA Societies Canada","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/cfacanada.org\/fr\/fsra-consultation-on-proposed-amendments-to-the-udap-rule-deferred-sales-charges\/","og_locale":"fr_FR","og_type":"article","og_title":"FSRA - Consultation on Proposed Amendments to the UDAP rule \u2013 Deferred Sales Charges - CFA Societies Canada","og_description":"T\u00e9l\u00e9charger le PDF : FSRA &#8211; Consultation on Proposed Amendments to the UDAP rule \u2013 Deferred Sales Charges R\u00e9sum\u00e9 de la lettre : Les modifications propos\u00e9es auraient une incidence sur la r\u00e8gle relative aux actes ou pratiques malhonn\u00eates ou mensongers (UDAP) en vertu de la Loi sur les assurances. Apr\u00e8s le 1er juin 2023, il [&hellip;]","og_url":"https:\/\/cfacanada.org\/fr\/fsra-consultation-on-proposed-amendments-to-the-udap-rule-deferred-sales-charges\/","og_site_name":"CFA Societies Canada","article_published_time":"2023-02-24T21:35:24+00:00","article_modified_time":"2023-03-17T19:33:24+00:00","author":"clloyd@cfacanada.org","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"clloyd@cfacanada.org","Dur\u00e9e de lecture estim\u00e9e":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/cfacanada.org\/fr\/fsra-consultation-on-proposed-amendments-to-the-udap-rule-deferred-sales-charges\/#article","isPartOf":{"@id":"https:\/\/cfacanada.org\/fr\/fsra-consultation-on-proposed-amendments-to-the-udap-rule-deferred-sales-charges\/"},"author":{"name":"clloyd@cfacanada.org","@id":"https:\/\/cfacanada.org\/#\/schema\/person\/bfb8c441f84b1651d6d5ad4a42a07022"},"headline":"FSRA &#8211; Consultation on Proposed Amendments to the UDAP rule \u2013 Deferred Sales Charges","datePublished":"2023-02-24T21:35:24+00:00","dateModified":"2023-03-17T19:33:24+00:00","mainEntityOfPage":{"@id":"https:\/\/cfacanada.org\/fr\/fsra-consultation-on-proposed-amendments-to-the-udap-rule-deferred-sales-charges\/"},"wordCount":262,"articleSection":["Autorit\u00e9 ontarienne de r\u00e9glementation des services financiers (ARSF)"],"inLanguage":"fr-FR"},{"@type":"WebPage","@id":"https:\/\/cfacanada.org\/fr\/fsra-consultation-on-proposed-amendments-to-the-udap-rule-deferred-sales-charges\/","url":"https:\/\/cfacanada.org\/fr\/fsra-consultation-on-proposed-amendments-to-the-udap-rule-deferred-sales-charges\/","name":"FSRA - Consultation on Proposed Amendments to the UDAP rule \u2013 Deferred Sales Charges - CFA Societies Canada","isPartOf":{"@id":"https:\/\/cfacanada.org\/#website"},"datePublished":"2023-02-24T21:35:24+00:00","dateModified":"2023-03-17T19:33:24+00:00","author":{"@id":"https:\/\/cfacanada.org\/#\/schema\/person\/bfb8c441f84b1651d6d5ad4a42a07022"},"breadcrumb":{"@id":"https:\/\/cfacanada.org\/fr\/fsra-consultation-on-proposed-amendments-to-the-udap-rule-deferred-sales-charges\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/cfacanada.org\/fr\/fsra-consultation-on-proposed-amendments-to-the-udap-rule-deferred-sales-charges\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/cfacanada.org\/fr\/fsra-consultation-on-proposed-amendments-to-the-udap-rule-deferred-sales-charges\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/cfacanada.org\/fr\/"},{"@type":"ListItem","position":2,"name":"FSRA &#8211; Consultation on Proposed Amendments to the UDAP rule \u2013 Deferred Sales Charges"}]},{"@type":"WebSite","@id":"https:\/\/cfacanada.org\/#website","url":"https:\/\/cfacanada.org\/","name":"CFA Societies Canada","description":"Canadian investment values","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/cfacanada.org\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Person","@id":"https:\/\/cfacanada.org\/#\/schema\/person\/bfb8c441f84b1651d6d5ad4a42a07022","name":"clloyd@cfacanada.org","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/secure.gravatar.com\/avatar\/e8c4597d4b4bbce08289f65553ecd58f67134726de8e338b57dada62dc12fcea?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e8c4597d4b4bbce08289f65553ecd58f67134726de8e338b57dada62dc12fcea?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/e8c4597d4b4bbce08289f65553ecd58f67134726de8e338b57dada62dc12fcea?s=96&d=mm&r=g","caption":"clloyd@cfacanada.org"},"url":"https:\/\/cfacanada.org\/fr\/author\/clloydcfacanada-org\/"}]}},"_links":{"self":[{"href":"https:\/\/cfacanada.org\/fr\/wp-json\/wp\/v2\/posts\/2695","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cfacanada.org\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/cfacanada.org\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/cfacanada.org\/fr\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/cfacanada.org\/fr\/wp-json\/wp\/v2\/comments?post=2695"}],"version-history":[{"count":0,"href":"https:\/\/cfacanada.org\/fr\/wp-json\/wp\/v2\/posts\/2695\/revisions"}],"wp:attachment":[{"href":"https:\/\/cfacanada.org\/fr\/wp-json\/wp\/v2\/media?parent=2695"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/cfacanada.org\/fr\/wp-json\/wp\/v2\/categories?post=2695"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/cfacanada.org\/fr\/wp-json\/wp\/v2\/tags?post=2695"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}