OVERVIEW & EXPERTISE

 

Our cross-country team of regulatory, corporate/commercial and litigation lawyers allows Blakes to bring depth and expertise to the challenges our clients encounter. We regularly provide advice to those involved in the card industry, including card networks, credit card issuers and merchant acquirers, debit card issuers, gift card issuers, loyalty program providers, stored value card issuers and service providers, including card processors and distributors (ISOs). Our breadth of experience in this industry enables Blakes to understand the business as well as the law. We apply our broad-based knowledge and experience in working with our clients to develop practical solutions to the man​y complex issues that arise in the payment card industry.

From a regulatory perspective, we have the largest and most active financial institution regulatory practice in Canada, allowing us to effectively advise clients on the current regulatory framework, as well as on any draft legislation and regulatory proposals that may affect them. Blakes regulatory lawyers are in frequent contact with the Canadian federal and provincial regulatory bodies that govern or affect our payment card clients. In particular, Blakes works extensively with the Office of the Superintendent of Financial Institutions (OSFI), and this relationship is key to many of our clients in the industry.

Blakes also provides advice on compliance with both federal and provincial consumer protection legislation, guidelines and codes of conduct, including advice with respect to cost of credit disclosure, credit reporting, privacy, anti-spam, escheatment and collections practices. As part of our practice, we regularly draft and review cardholder agreements, applications, account statements, privacy statements and other required disclosures and customer communications to ensure compliance with the applicable federal and provincial laws and regulations. Blakes also provides regulatory advice on mobile and emerging payments and compliance with laws applicable to mobile wallets, payment apps, mobile and contactless payments and tokenization.

Our corporate/commercial lawyers have extensive experience in all aspects of the establishment, acquisition and divestiture of every type of payment card business. We have significant expertise in reorganization work for payment card businesses, as well as a broad range of experience in program agreements, sponsorship or rent-a-BIN agreements, partnership, joint venture, alliance, co-brand and distribution agreements, outsourcing contracts and merchant contracts.

Blakes has extensive litigation experience across Canada acting for financial services clients on a broad range of payment card issues. We have defended national and provincial class actions brought with respect to criminal interest rate allegations, payment and posting-date issues, currency exchange rate claims and alleged violations of consumer disclosure obligations. We also routinely act for payment card issuers in individual contractual claims and in collection proceedings.

 

 PEOPLE

 
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Associate | Toronto
Toronto: 416-863-3337
Areas of Expertise: Financial Services Regulatory, Aviation/Aerospace, Banking, Consumer/Retail Financial Services, Insurance, Reinsurance, Payment Cards & Technologies, Residential Mortgage Business, Debt Finance & Lending
Partner | Toronto
Toronto: 416-863-4284
Areas of Expertise: Financial Services Regulatory, Insurance, Mergers & Acquisitions, Investment Products & Asset Management, Banking, Consumer/Retail Financial Services, Payment Cards & Technologies, Residential Mortgage Business, Reinsurance, Financial Services, Pension Funds Investment, Investment Funds, Investment Vehicles, Enterprise Risk & Crisis Response, Government & Public Sector, Fintech, Credit Unions
Counsel | Montréal
Montréal: 514-982-4017
Areas of Expertise: Financial Services Regulatory, Consumer/Retail Financial Services, Residential Mortgage Business, Payment Cards & Technologies, Marketing & Health Regulatory, Banking, Insurance, Reinsurance, Lobbying, Financial Services, Fintech
Associate | Toronto, Montréal
Toronto: 416-863-4236
Montréal:
Areas of Expertise: Financial Services Regulatory, Insurance, Banking, Consumer/Retail Financial Services, Payment Cards & Technologies
Associate | Toronto
Toronto: 416-863-3845
Areas of Expertise: Financial Services, Consumer/Retail Financial Services, Financial Services Regulatory, Payment Cards & Technologies
Partner | Toronto
Toronto: 416-863-5831
Areas of Expertise: Corporate & Commercial, Insurance, Financial Services Regulatory, Mergers & Acquisitions, Banking, Insurance Litigation, Consumer/Retail Financial Services, Reinsurance, Payment Cards & Technologies, Fintech, Credit Unions
Partner | Toronto
Toronto: 416-863-2956
Areas of Expertise: Financial Services Regulatory, Banking, Insurance, Reinsurance, Anti-Money Laundering, Consumer/Retail Financial Services, Payment Cards & Technologies, Residential Mortgage Business, Business Crimes, Investigations & Compliance, Lobbying, Cybersecurity, Government & Public Sector, Credit Unions
Associate | Toronto
Toronto: 416-863-5842
Areas of Expertise: Financial Services Regulatory, Payment Cards & Technologies, Consumer/Retail Financial Services, Banking, Residential Mortgage Business, Retail & Consumer Products
Associate | Toronto
Toronto: 416-863-5272
Areas of Expertise: Financial Services Regulatory, Anti-Money Laundering, Consumer/Retail Financial Services, Payment Cards & Technologies, Corporate & Commercial, Banking, Insurance, Reinsurance
Partner | Toronto
Toronto: 416-863-2602
Areas of Expertise: Financial Services Regulatory, Consumer/Retail Financial Services, Payment Cards & Technologies, Corporate & Commercial, Banking, Anti-Money Laundering, Insurance, Equipment Financing, Fintech
Associate | Toronto
Toronto: 416-863-4154
Areas of Expertise: Financial Services, Financial Services Regulatory, Banking, Anti-Money Laundering, Payment Cards & Technologies, Debt Finance & Lending, Insurance, Reinsurance, Payment Cards & Technologies, Sanctions & Export Controls, Capital Markets, Credit Unions
Partner | Toronto
Toronto: 416-863-3290
Areas of Expertise: Financial Services Regulatory, Business Crimes, Investigations & Compliance, Banking, Anti-Money Laundering, Consumer/Retail Financial Services, Payment Cards & Technologies, Financial Services, Fintech, Credit Unions, Cannabis
Patent Agent | Toronto, Calgary
Toronto: 416-863-2518
Calgary: 403-260-9782
Areas of Expertise: Patents, Oil & Gas, Oil Field Services, Pipeline & Midstream, Payment Cards & Technologies, Information Technology, Fintech
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