In Ontario, there are laws about debt collection activities and debt settlement services. This guide summarizes many of your obligations as a collection agency.

You must comply with all the requirements in the Collection and Debt Settlement Services Act (CDSSA) and its regulations – not just the rules summarized in this guide.

All persons that carry on business as collection agencies must be registered with the Ministry of Public and Business Service Delivery. A collection agency is responsible for ensuring that all collectors who are employed, authorized, or acting for or on behalf of the agency comply with the rules.

If you do not comply with all the requirements, you could lose your registration or face other enforcement action. Learn more about compliance and enforcement.