Annick's practice is focused on legal and regulatory compliance of the retail financial services industry in Quebec. She provides advice to banks, nonbank financial institutions, nonbank lenders, retailers, third-party service providers and fintechs on matters such as consumer protection, consumer leasing and lending, payment products, money transmission, debt collection, insurance, reinsurance, real estate and mortgage brokerage, licensing, advertising, e-commerce, product development and language requirements (including French language requirements and clear language).
She monitors and advises on the impact of legislative and regulatory developments affecting participants of the retail financial services industry in Quebec. She communicates, drafts submissions, prepares applications and obtains regulatory approvals, certifications and permits from Quebec regulators on behalf of clients. She assists clients in the context of various projects such as the compliance, distribution and advertising of retail financial products (ex: consumer loans and leases, credit insurance, payment cards, extended warranties and money transfers) and the review of customer-facing agreements and related documentation used in Quebec. She is involved in providing compliance advice and in assessing compliance risk in the context of mergers and acquisitions and reorganizations (particularly involving financial services entities).
She also provides general regulatory and licensing advice to clients of other industries such as those of the automobile, travel, hospitality (including liquor licensing) and construction industry.
Annick is fluent in French and English.