Kevin Hille

The provincial regulator applied for a declaration that a financial product marketed as a “Basic Line of Credit” constituted a payday loan under the Payday Loans Act, 2008.

The respondents argued that the product was a true line of credit and therefore outside the statutory definition and provincial jurisdiction.

The court applied the statutory direction to examine the real substance of the transaction rather than its outward form.

Despite structural features resembling a line of credit, the product functioned in practice as a series of short‑term advances tied to borrowers’ pay cycles and subject to high interest and brokerage fees.

The court held that the arrangement was substantively equivalent to payday lending and therefore subject to the Act and related regulatory regime.

The plaintiffs sued various provincial and municipal officials for negligent investigation, malfeasance in public office, and Charter breaches after the plaintiff Hilary Payne was charged with arson by negligence following a fire at a student rental property.

The defendants brought motions for summary judgment to dismiss the claims.

The court granted summary judgment dismissing the claims against one defendant (an engineer-in-training) and the Charter claims under ss. 8, 11(d), and 11(g).

However, the court dismissed the balance of the summary judgment motions, finding that the novel issues of duty of care, standard of care, causation, and statutory immunity required a full trial to resolve conflicting evidence and assess credibility.

The Crown brought an action under the Tobacco Damages and Health Care Costs Recovery Act against several domestic and foreign tobacco companies, claiming $50 billion for health care costs related to tobacco disease.

Six foreign defendants brought motions to set aside service ex juris and stay or dismiss the action, arguing the Ontario court lacked jurisdiction simpliciter.

The court dismissed the motions, finding that the Crown had established a good arguable case that the foreign defendants conspired and acted in concert to commit tobacco-related wrongs, establishing a real and substantial connection to Ontario.