Exhibit No. |
Description |
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Intervener Application form of Consumer’s Association of Canada (Manitoba) Inc./Winnipeg Harvest/Community Financial Counseling Services, jointly (CAC) – February 19, 2016 | |
Attachment to Intervener Application Form of CAC – Budget Estimate of CAC | |
Pre-filed Evidence of CAC, Tab 1, J. Buckland, Ph.D. & G. Henderson, SJD: Executive Summary, Payday Lending in Manitoba: A Mature Industry with Chronic Challenges | |
Pre-filed Evidence of CAC, Tab 2, J. Buckland, Ph.D. & G. Henderson, SJD: Payday :Lending in Manitoba: A Mature Industry with Chronic Challenges | |
Pre-filed Evidence of CAC, Tab 3, C. Robinson, PhD, CFP, CPA, CA: An Economic Analysis of the Payday Loans Industry and Recommendation for Regulation in Manitoba | |
CAC-5-1 | Appendices to Dr. Chris Robinson’s Pre-Filed Evidence “An Economic Analysis of the Payday Loans Industry and Recommendation for Regulation in Manitoba” |
Pre-filed Evidence of CAC, Tab 4, W.Simpson & K.Islam: A Profile of Payday Loans Consumers Based on the 2014 Canadian Financial Capability Survey | |
Pre-filed Evidence of CAC, Tab 5, W. Simpson & K. Islam: Payday Loans Consumer Profile Based on the Survey of Financial Security | |
Pre-filed Evidence of CAC, Tab 6A, Z. St.Aubin, MA, DBA: Manitoba Consumers Experiences with Payday Loans Research Study | |
Pre-filed Evidence of CAC, Tab 6B, J. Buckland, Ph.D., E. Sinclair, J. Piec: Focus Group Two: Comparing Payday Loans and Two Alternative Small Loan Products | |
Pre-filed Evidence of CAC, Tab 7, E. Sinclair: Manitoba Consumers’ Experiences with Payday Loans: Pricing and Practices of Licensed Payday Lenders in Manitoba | |
Pre-filed Evidence of CAC, Tab 8: Map Data of Payday Lenders in Winnipeg | |
Pre-filed Evidence of CAC, Tab 9: J.Buckland, PhD, E.Sinclair, K. Martin: Small Loan Workshop: Summary of Proceedings and Recommendations | |
Pre-filed Evidence of CAC, Tab 10: B. Williams & K. Dilay: Payday Lending Legal Narrative | |
Pre-filed Evidence of CAC, Appendix A: Dollar Financial Group 2013 10-K | |
Pre-filed Evidence of CAC, Appendix B: PEW Charitable Trusts Report, Who Borrows, Where they Borrow and Why | |
Pre-filed Evidence of CAC, Appendix C: PEW Charitable Trusts Report, Policy Solutions | |
Pre-filed Evidence of CAC, Appendix D: Cardus Report, Banking on the Margins: Finding Ways to Build an Enabling Small Dollar Credit Market | |
Pre-filed Evidence of CAC, Appendix E: Table of Distances, Open/Closed Stores in Manitoba | |
Pre-filed Evidence of CAC, Appendix F: Requests for Data and Responses | |
Pre-filed Evidence of CAC, Appendix G: Curriculum vitae of Dr. Jerry D. Patrick Buckland | |
Pre-filed Evidence of CAC, Appendix G: Curriculum vitae of Dr. Chris Robinson | |
Pre-filed Evidence of CAC, Appendix G: Curriculum vitae of Dr. Wayne Simpson | |
Pre-filed Evidence of CAC, Appendix G: Curriculum vitae of Zoë St. Aubin | |
Pre-filed Evidence of CAC, Appendix G: Statement of Qualification for Dr. Jerry D. Patrick Buckland | |
Pre-filed Evidence of CAC, Appendix G: Statement of Qualification for Dr. Chris Robinson | |
Pre-filed Evidence of CAC, Appendix G: Statement of Qualification for Dr. Wayne Simpson | |
Pre-filed Evidence of CAC, Appendix G: Statement of Qualification for Zoë St. Aubin | |
CAC to CPLA Information Requests and Responses | |
CAC to C11 Information Requests and Responses | |
CAC Opening Comments – PowerPoint Presentation | |
Outline of Coalition Evidence | |
Payday Lending: A Mature Industry with Chronic Challenges – Presentation by Dr. Jerry Buckland | |
Comparing Payday Loans and Two Alternative Small Loan Products – Focus Group Two – Presentation by Dr. Jerry Buckland | |
Survey Evidence on Payday Loan Borrowing – Presentation by Dr. Wayne Simpson | |
Manitoba Consumers Experience’s with Payday Loans – Research Study – Presentation by Zoe St. Aubin | |
Regulating Payday Lending in Manitoba: Three Recommendations – Presentation by Dr. Chris Robinson | |
United States Payday Loan Regulations | |
Response to Undertaking #2 | |
Estimates of Cost of Capital | |
Response to Undertaking #1 | |
A Regulatory Success Story – Protection, Access and Sustainability in Manitoba – Closing Submission of the Public Interest Law Centre (PILC) on Behalf of the Consumer Coalition | |
Consumer Coalition’s Final Recommendations | |
Attachment to Final Recommendations – Submission from 2007-2008 Payday Loans Review |