2013 PUB Review of Maximum Allowable Charges and Fees for Payday Loans    

• Report dated May13, 2013 regarding the Public Utilities Board's review process

• Letter dated May 16, 2013
• Payday Loans Consumer Profile based on the 2009 Canada Financial Capabilities Survey
• Payday Lending Literature Review
• Regulation of Payday Lending in Manitoba – Are the Rate Caps Reasonable?
• Report on Mystery Shopping Payday Lending & Payday Lending-Like Outlets in Winnipeg
• Report on the Exit Interviews of Payday Loan Customers
• Curriculum Vitae of Jerry D. Patrick Buckland
• Curriculum Vitae of Wayne Simpson
• Curriculum Vitae of Dana Bazarkulova
• Curriculum Vitae of Chris Robinson
• The historical development of the payday lending outlets in Winnipeg
• Final Submission

• Letter dated May 16, 2013
• Pre-Filed Evidence
  • Schedule "A" – Graph Showing Growth of Industry
  • Schedule "B" – Graph – Manitoba Store Count
  • Schedule "C" – Environics Study
  • Schedule "D" – Chart – Maximum Rates and Regs in Each Province
  • Schedule "E" – Maps of Winnipeg Payday Loan Outlets 2007, 2013
  • Schedule "F" – Sample of Webpages
  • Schedule "G" – Copy of Internet Loan Agreement
  • Schedule "H" – Extracts from Articles and Hearings
  • Schedule "I" - Articles Describing Tribal Lending
  • Schedule "J" – Summary of Amendments Made to Manitoba Legislation
• Final Submission

• Letter dated May 16, 2013
• Written Evidence
• Final Submission

• Affidavit of Robert Thompson
• Consideration of the Manitoba decision by the Nova Scotia Utilities Board

• Public Utilities Board (PUB)    
  • PUB/CPLA
    • Attachment 1(a) – List of Members
    • Attachment 2(a) – Consumer Information produced by CPLA
    • Attachment 4(a) – Payday Loan Agreement
    • Attachment 12(a) – Graphs for each province
    • Attachment 15(a)(b) – Code of Best Business Practices
  • PUB/Coalition
    • Appendix A
    • Appendix B
    • Appendix C
    • Appendix D
    • Appendix E
    • Appendix F
  • PUB/MPL
  • PUB/PPL
• Canada Payday Loan Association    
  • CPLA/Coalition
• Consumers' Association of Canada (Manitoba) Inc./Winnipeg Harvest (CAC)    
  • Letter dated June 12, 2013
  • Coalition/CPLA
    • Attachment 11-1(d) – script
  • CAC/HARVEST/PPL
• Money Tree Payday Loans (MPL)    
  • Letter dated June 13, 2013

• Exhibit List
• PUB
• CAC
• CPLA
• PPL

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