Negative Option Billing Regulations

3 (1) Before providing a person with a new primary financial or optional product or service, an institution must first obtain the person’s express consent to do so, either orally or in writing.

(2) If the consent is provided orally, the institution must provide the person without delay with confirmation in writing of their express consent for the new product or service.

(3) The use by the person of the new product or service, or any product or service related to the new product or service, does not constitute express consent for the purpose of subsection (1).

(4) Any communication from an institution seeking a person’s express consent must be made in language, and presented in a manner, that is clear, simple and not misleading.