Negative Option Billing Regulations

5 (1) Before a person provides their express consent to receive an optional product or service from an institution, the institution must provide them, orally or in writing, with an initial disclosure statement that contains the information referred to in paragraphs 6(a) to (d) or a summary of that information.

(2) An institution that provides the initial disclosure statement orally must also, without delay, provide it in writing.