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Ontario Assembly Bill

Ontario Bill 169

43rd Parl. 1st Sess.
March 05, 2024
Removing Red Tape for Homeowners (No More Pushy, High-Pressure HVAC Scams) Act, 2024
  • This bill, called the Removing Red Tape for Homeowners Act, aims to amend the Personal Property Security Act in Ontario. It prevents notices of security interests from being registered against homeowners for certain consumer goods. The Act specifies that such notices cannot be registered for prescribed consumer goods, and existing registrations for these goods must be discharged by the registrar upon request or initiative. The Act will come into force once it receives Royal Assent.
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SteelmanSpren in Favour

  • A steelman argument in favor of Bill 169 2024, the Removing Red Tape for Homeowners Act, could be that it aims to protect homeowners from potentially predatory practices related to the registration of security interests against their properties. By amending the Personal Property Security Act to prevent notices of security interests from being registered against homeowners for prescribed consumer goods, the bill seeks to safeguard homeowners from being targeted by high-pressure sales tactics, particularly in the context of HVAC scams. This legislation could help ensure that homeowners are not unfairly burdened with security interests on their properties for consumer goods that may have been sold to them under coercive or deceptive circumstances. Ultimately, the bill may contribute to enhancing consumer protection and promoting transparency in financial transactions involving homeowners.

SteelmanSpren Against

  • A steelman argument opposing Bill 169, the Removing Red Tape for Homeowners Act, from a right-wing anti-government perspective could be as follows: This bill interferes with the free market by restricting the ability of individuals to register security interests against homeowners for prescribed consumer goods. By preventing notices of security interest from being registered, the government is limiting the rights of lenders to protect their investments and ensure responsible lending practices. This overreach of government regulation undermines the principles of individual responsibility and personal property rights. Furthermore, by discharging existing registrations without proper due process, the government is setting a dangerous precedent of arbitrary intervention in private contracts. This undermines the rule of law and erodes trust in the legal system, leading to potential chaos and uncertainty in the lending industry. Additionally, the bill's title, "Removing Red Tape for Homeowners," is misleading and disguises the true nature of the legislation. This kind of deceptive labeling is a tactic often used by big government proponents to push through intrusive policies under the guise of helping the average citizen. In reality, this act serves to limit choice and freedom in the marketplace, ultimately harming homeowners and lenders alike. In conclusion, Bill 169 represents an unjustified expansion of government power that undermines individual liberties, distorts market dynamics, and sets a dangerous precedent for government interference in private contracts.
First Reading
  • March 5, 2024, noon
  • In Progress
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