Hansard
Consult the user guide
For assistance, please contact us
Consult the user guide
For assistance, please contact us
Add search criteria
Results: 1 - 15 of 561
View Andrew Cash Profile
NDP (ON)
View Andrew Cash Profile
2015-06-19 11:51 [p.15351]
Mr. Speaker, the government may be proud of its record on refugees, but the rest of the country is ashamed of the government's record on refugees.
Almost 60 million people around the world were forced from their homes, the highest number since the UN started counting. Syria alone counted for 11.6 million of the displaced. As refugees hit an historic high, Canada's response to the global calamity has hit an historic low.
Helping the world's most vulnerable is part of who we are as Canadians. It is a value that the Conservative Party has forgotten. Why is Canada not living up to its global commitments?
View Andrew Cash Profile
NDP (ON)
View Andrew Cash Profile
2015-06-17 16:42 [p.15223]
Mr. Speaker, I have two petitions I would like to present today.
The first petition pertains to the plummeting job quality index for Canadian workers. So many workers today are working part time, on contract, or freelance or are self-employed. Many are working for free as unpaid interns. This petition, signed by people throughout my riding and across the GTA, calls for the support of a national urban workers strategy to deal with and take seriously the issue of precarious work across Canada.
View Andrew Cash Profile
NDP (ON)
View Andrew Cash Profile
2015-06-17 16:43 [p.15223]
Mr. Speaker, I have a second petition. We have many immigrants in Toronto who work hard and who are having a very difficult time with our current immigration system. They are calling on the federal government to make changes to make it simpler for them to bring their families here and to make it simpler for workers who are working hard here to have the right to stay and build a life in Canada.
View Andrew Cash Profile
NDP (ON)
View Andrew Cash Profile
2015-06-15 14:45 [p.15066]
Mr. Speaker, the Conservatives have landed in a familiar place once again: they are back in court.
This time they are throwing away taxpayer money, as they love to do, fighting a Federal Court ruling that told them their cuts to the interim federal health program were “cruel and unusual”.
Their pathological single-mindedness to attack children and pregnant women, to deny them health care, is an obsession that goes right against the main frame of Canadian values. These are some of our most vulnerable people. Therefore, will they do the right thing and reinstate health care for refugees?
View Andrew Cash Profile
NDP (ON)
View Andrew Cash Profile
2015-06-04 10:09 [p.14564]
Mr. Speaker, following the overwhelming support that my motion received to ban unfair pay-to-pay bank fees, I would like to seek unanimous consent for the following motion. I move that it be an instruction to the Standing Committee on Finance that it have the power to expand the scope of Bill C-59, an act to implement certain provisions of the budget tabled in Parliament on April 21, 2015, and other measures, in order to protect consumers by banning all pay-to-pay practices by banks operating in Canada.
View Andrew Cash Profile
NDP (ON)
View Andrew Cash Profile
2015-06-04 14:30 [p.14603]
Mr. Speaker, if they have an agreement from the banks, where is it? Is it in some secret code or invisible ink? What is going on there?
The House overwhelmingly voted in favour of banning pay-to-pay fees but, despite this, today, the government blocked us from banning these unfair fees in the budget bill. The Conservatives are standing in the way of immediately helping Canadians save upward of $180 million.
I do not get it, and Canadians do not either. They are fed up with getting their pockets picked. Why are these guys dragging their heels?
View Andrew Cash Profile
NDP (ON)
View Andrew Cash Profile
2015-06-03 14:55 [p.14532]
Mr. Speaker, the only thing standing between now and the end of unfair pay-to-pay fees is these Conservatives right here.
While I appreciate their support for the motion, let us be clear. If the government is serious about standing up for hard-working people, will the minister pass legislation before the summer that stops banks from picking the pockets of Canadians with these unfair fees?
View Andrew Cash Profile
NDP (ON)
View Andrew Cash Profile
2015-06-03 14:56 [p.14533]
Mr. Speaker, I am not sure where that agreement came from with the banks. Is it some kind of nudge, nudge, wink, wink deal? We do not know. We have not seen it. We want a mandatory code. That is what the government agreed to yesterday. We want to see it happen.
Now, onto another issue. The government has supported adoptions from many Muslim countries. Nusrat Munshi has been working for two years to bring her child home with no success.
Other countries, like the United States and the United Kingdom, have figured this out and allowed legal recognition of guardianship for children from Muslim countries. Why has this government not?
View Andrew Cash Profile
NDP (ON)
View Andrew Cash Profile
2015-06-01 12:05 [p.14375]
moved:
That, in the opinion of the House, the government should ban all pay-to-pay practices by banks operating in Canada, through the enactment of a mandatory financial code of conduct to protect consumers.
Mr. Speaker, I will be sharing my time with my colleague, the member for Beauport—Limoilou.
It is an honour to stand here in this place today on behalf of the good people of Davenport in the great city of Toronto, and in fact on behalf of all Canadians who are upset to the point of anger over unfair pay-to-pay fees. A pay-to-pay fee is a fee a customer is charged just for the right to pay their bill. This is patently unfair, and it plays out in a variety of different ways. Today, we are discussing, specifically, the banks.
Colleagues in the House will recall that the NDP led a very strong campaign to ban pay-to-pay fees, and due to that pressure the government introduced, in its last budget, the one before this one, measures to ban pay-to-pay fees on telephone companies, ISPs, telecommunications companies and cable companies. However, it did not include banks in that ban. Of course, when that did not happen, banks were free to do what they wanted with pay-to-pay fees, and we have seen them increase and expand.
Right now, pay-to-pay fees, just on transactions, just on statements that are mailed to people's houses, are worth about $180 million a year. That is $180 million that Canadian consumers have to pay the banks, the big five, just to get their statements in the mail. This is outrageous. It is ridiculous. It is unfair.
Today we have an opportunity to finally close the door on this unfair practice that Canadians from coast to coast to coast agree is unfair. I am sure my colleagues across the way on the government side have heard from their constituents about these fees. It is time for all of us to do the right thing, do what we were sent here to do, and that is fight for, protect and speak up for Canadians who sent us here, who we represent.
Banks are some of the most powerful corporations in the country. There are very few institutions that can stand up to a bank. An individual small business, an individual person, a hard-working Canadian, has a tough time doing that. However, that is what we are here to do. That is what we can do today.
I invite my colleagues from all the parties to support this motion to ban pay-to-pay fees. I want to read a bit of a letter that I received on this issue from a woman named Cynthia in my riding, a small business person, who said:
I have multiple accounts with TD Canada Trust and have been a customer with them for 30 years(!).
Now, this is what we call customer appreciation.
They charge $2 for EACH account statement.
I 've opted for online billing, but I need to print out copies for my records, so I end up paying for ink and paper to print my own bills. Either way, I lose.
Many in my riding have their own businesses. I represent a riding with many small, micro-entrepreneurs who are trying to make a living, oftentimes out of their own homes. She goes on to say:
I have my own business. I can only laugh at the idea that my customers would be agreeable to me charging them for printed invoices.
When was the last time any of us went to a restaurant, for example, and when we got the bill had to pay for the bill, too? That is what is happening. It is a big business; $180 million.
The Public Interest Advocacy Centre found in a survey that it did that almost 40% of Canadians said they were not comfortable or could not use online billing, and 74% said they disapprove of companies charging extra for bills or statements.
Let us talk about who this would affect the most. It would affect those who do not have Internet access, seniors, persons with disabilities, many people for whom English or French is not their first language, and people who do not want to bank online for a variety of good reasons. In a sense, it affects communities that are already at some level of disadvantage in our society, and it is our job to ensure that they are treated equally and fairly.
These are unfair charges, and they are allowed to happen because the current government has opened the door for them. Whenever we talk about pay-to-pay fees here, the government rebuts the idea by touting the code of conduct under which the banks are governed. I am sure the government will do that today. However, what the Conservatives will not say, but what we will remind them of today, is that the code of conduct that they trumpet is a voluntary code of conduct. Let us imagine if the commute of Canadians watching this today was governed by a voluntary code of conduct. I can only imagine what Highway 401 would look like if it was governed by a voluntary code of conduct, but that is basically what we have going on here with the banks.
Why would the government not ensure that banks were following a code of conduct that is mandatory, not one that the banks can pursue by choice? When it is by choice, we see consumers having their pockets picked time and again while the Conservative government stands by and watches it happen and essentially allows it.
We have an opportunity today to do something very important for consumers right across the country.
A couple of weeks ago, one of the five big banks—which, by the way, just posted over $2 billion in profits in its recent quarter alone—announced that it would charge extra pay-to-pay fees just for the right to make a mortgage payment, a student loan payment, or a credit card payment. It wanted to charge an extra bit of money just to pay a bill, until a huge outcry both on the street and in the House of Commons forced RBC to back down.
However, that did not stop it and all of the other five big banks from increasing fees on everyday transactions. Someone told me recently that when they took out $40 at a bank machine, they were charged $4.50 to take out their own money. That is outrageous. We need to have a serious conversation about what is and is not fair.
It would be one thing if these businesses were in distress, but how is it that the government allows Canadian banks, who are all posting over $2 billion in profit every quarter, to nickel-and-dime hard-working Canadians? Shame on the government.
Today we have the opportunity to do the right thing by hard-working Canadians who have to play by the rules, make ends meet, and work hard. They do not deserve to have their pockets picked in this way. Today we have an opportunity to right this unfair practice.
I look forward to this debate today and to this House agreeing tonight that we will end pay-to-pay fees forever.
View Andrew Cash Profile
NDP (ON)
View Andrew Cash Profile
2015-06-01 12:15 [p.14376]
Mr. Speaker, this is indeed an issue that affects consumers and small businesses.
Right now, many small businesses are just snowed under by a preponderance of transaction fees when customers use credit cards or debit cards. We have long been calling for a cap on these fees. This would make a big difference for small businesses.
When we talk about small businesses, I think it is important that we qualify what some of these small businesses are. Many of these businesses, including the one that I referred to earlier in my speech, are operating on micro-thin profits. These fees sometimes make the difference between whether they go into the red or stay in the black from month to month.
View Andrew Cash Profile
NDP (ON)
View Andrew Cash Profile
2015-06-01 12:17 [p.14377]
Mr. Speaker, one of the first speeches that I attended with Jack Layton was around the issue of capping ATM transaction fees. We have long called for a cap on those fees, and the cap should be 50¢. We have done a lot of work on this aspect and we know that 50¢ is a fair fee, both for the institutions and for the consumer. I think that should have wide support here in this House.
However, today we are focused on pay-to-pay fees. We are focused on these because they are particularly egregious and really do target vulnerable communities, and it is just plain wrong and unfair.
View Andrew Cash Profile
NDP (ON)
View Andrew Cash Profile
2015-06-01 12:19 [p.14377]
Mr. Speaker, I completely agree. It is not only dumb; it is unfair and it is wrong.
We have to set this situation in context, and the context is the government's refusal to act and its refusal to tighten up the rules.
The Conservatives expect Canadians to play by the rules. Why do they not expect the same thing from the big banks?
View Andrew Cash Profile
NDP (ON)
View Andrew Cash Profile
2015-06-01 12:51 [p.14381]
Mr. Speaker, I would like to thank my hon. colleague for that speech and support for the motion.
I would like to get some clarification. The motion calls for a mandatory financial code of conduct to protect consumers with regard to pay-to-pay fees at the banks. We would note that when the government had the opportunity to ban pay-to-pay fees in budget 2014, it excluded banks. That is why we are here today.
I would like to ask my hon. colleague to clarify that the intention is to bring in a mandatory code of conduct that would ensure these fees are banned and ask when we would see that.
View Andrew Cash Profile
NDP (ON)
View Andrew Cash Profile
2015-06-01 12:57 [p.14382]
Mr. Speaker, it is interesting, listening to my colleague opposite talk about the concern he and his government have for consumer protection. If there was that concern, why did the government not ban pay-to-pay fees for banks in the budget of 2014, when it did that very thing, under pressure from the NDP, and banned them for telecommunications and phone companies?
Additionally, I would just like to clarify that the term “pay-to-pay” was coined by a young volunteer in my office in Toronto when we were building this campaign and working to come up with a name. This young man, who was just in high school, said that it is a fee to pay a bill and that we are paying to pay our bills. That is how this whole issue got rolling.
I would like to ask the member opposite why the government did not ban pay-to-pay fees for banks when it had the opportunity? It could have saved consumers $180 million this year. It could have done that. It could have put that money back into the pockets of hard-working Canadians, but it did not. It allowed the banks to go on their merry way. Why is that?
View Andrew Cash Profile
NDP (ON)
View Andrew Cash Profile
2015-06-01 13:20 [p.14386]
Mr. Speaker, I would like to thank the hon. colleague for his comments around these fees. I wanted to clarify that a pay-to-pay fee is a fee one has to pay to pay a bill. That is what a pay-to-pay fee is. It does not matter whether it is a bill that comes in the mail or one that the banks charge. This is what RBC was charging but backed down due to pressure from consumers and the NDP.
The hon. colleague seems to be concerned about ensuring that the banks have the ability to charge fees for things. I wanted to get his opinion about this. Today, RBC announced that it was charging a new $5 fee for its high-interest savings account. Every time customers go over one transaction they will have to pay $5 to put money into their savings account. The member was talking about how important it was for banks to charge transaction fees. Is he in favour of this fee?
Results: 1 - 15 of 561 | Page: 1 of 38

1
2
3
4
5
6
7
8
9
10
>
>|
Export As: XML CSV RSS

For more data options, please see Open Data