La mise en place de l'imagerie des chèques au Canada (in French only)


Jacques Saint-Amant


Option consommateurs




The Canadian Payments Association (CPA), its members and other stakeholders currently work assiduously at implementing a new electronic presentment system for cheques in Canada. This initiative should bring significant improvements and there currently does not appear to be any significant problem which might generate opposition on the part of Canadian consumers. The globally excellent work performed by CPA in order to consult and involve all interested stakeholders and in furthering progress in order to ensure an orderly implementation of this significant reform should be applauded. It serves as a remarkable example of multi-stakeholder consultation. However, a number of questions with significant interest for consumers remain outside the area over which the CPA asserts its influence. There is currently no other formal forum where those issues may be debated, which is a major deficiency. In its report, Option consommateurs will proceed in two stages. First, the chief protagonists in this process need to be described, first and foremost the CPA. In passing, some quantitative data will be cited to demonstrate the scale of the challenge; the Canadian imaging project will be described in somewhat more detail and will be compared with the initiative in force in the United States since the fall of 2004. Having sketched out the context, we will detail the existence and characteristics of eight (8) problem areas and, in each case, comment on the capacity of the current procedure to handle them in a way that is reassuring for Canadian consumers. The conclusion will emerge that while the CPA’s consultative process allows for adequate treatment of many of the most salient issues, others remain peripheral to its sphere of operations and therefore cannot be examined in depth, and some have yet to be addressed systematically at all.

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French only

OCA Funded Research
This research received funding support through the Office of Consumer Affairs' Contributions Program.

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Source: Consumer Policy Research Database

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