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Intervener Attorney-General-Of-Canada.Pdf Files Nos. 35009 / 35033 SUPREME COURT OF CANADA (ON APPEAL FROM JUDGMENTS OF THE QUÉBEC COURT OF APPEAL) S.C.C. 35009 BETWEEN: BANK OF MONTREAL CITIBANK CANADA TORONTO-DOMINION BANK NATIONAL BANK OF CANADA APPELLANTS (Appellants) - and - RÉAL MARCOTTE BERNARD LAPARÉ RESPONDENTS (Respondents) - and - ATTORNEY GENERAL OF QUÉBEC LE PRÉSIDENT DE L’OFFICE DE LA PROTECTION DU CONSOMMATEUR RESPONDENTS (Mis en cause) - and - ATTORNEY GENERAL OF CANADA INTERVENER (Intervener) - and - ATTORNEY GENERAL OF BRITISH COLUMBIA ATTORNEY GENERAL OF ONTARIO ATTORNEY GENERAL OF ALBERTA CANADIAN BANKERS ASSOCIATION INTERVENERS (style of causes continues inside cover page) ENGLISH TRANSLATION OF THE ATTORNEY GENERAL OF CANADA’S FACTUM Henri A. Lafortune Inc. 2005 Limoges Street Tel. : 450 442-4080 Longueuil, Québec J4G 1C4 Fax. : 450 442-2040 www.halafortune.ca [email protected] L-3595-12 - 2 - AND BETWEEN: RÉAL MARCOTTE BERNARD LAPARÉ APPELLANTS (Respondents) - and - BANK OF MONTREAL AMEX BANK OF CANADA ROYAL BANK OF CANADA TORONTO-DOMINION BANK CANADIAN IMPERIAL BANK OF COMMERCE BANK OF NOVA SCOTIA NATIONAL BANK OF CANADA LAURENTIAN BANK OF CANADA CITIBANK CANADA RESPONDENTS (Appellants) - and - ATTORNEY GENERAL OF CANADA RESPONDENT (Intervener) - and - LE PRÉSIDENT DE L’OFFICE DE LA PROTECTION DU CONSOMMATEUR ATTORNEY GENERAL OF QUÉBEC INTERVENERS (Interveners) - and - ATTORNEY GENERAL OF BRITISH COLUMBIA ATTORNEY GENERAL OF ONTARIO ATTORNEY GENERAL OF ALBERTA CANADIAN BANKERS ASSOCIATION INTERVENERS - 3 - S.C.C. 35033 BETWEEN: AMEX BANK OF CANADA APPELLANT (Appellant) - and - SYLVAN ADAMS RESPONDENT (Respondent) - and - ATTORNEY GENERAL OF QUÉBEC and LE PRÉSIDENT DE L’OFFICE DE LA PROTECTION DU CONSOMMATEUR RESPONDENTS (Interveners) - and - ATTORNEY GENERAL OF CANADA ATTORNEY GENERAL OF ONTARIO ATTORNEY GENERAL OF BRITISH COLUMBIA ATTORNEY GENERAL OF ALBERTA CANADIAN BANKERS ASSOCIATION INTERVENERS Mr.Bernard Letarte Mr. Christopher M. Rupar Mr. Pierre Salois Justice Canada Mr. Michel Miller Assistant Deputy Attorney General Justice Canada 5th Floor, Room 557 5th Floor, East Tower 50, O’Connor Street 200 René-Lévesque Street West Ottawa, Ontario Montréal, Québec K1A 0H8 H2Z 1X4 Tel.: 613 946-2776 (Mr. Letarte) Tel.: 613 670-6290 Tel.: 514 283-8733 (Mr. Salois) Fax: 613 954-1920 Tel.: 514 283-3582 (Mr. Miller) [email protected] Fax: 613 952-6006 Fax: 514 283-3856 [email protected] [email protected] [email protected] Counsel for Agent for Attorney General of Attorney General of Canada Canada - 4 - Mr. Mahmud Jamal Ms. Patricia J. Wilson Ms. Silvana Conte Osler, Hoskin & Harcourt LLP Mr. Alexandre Fallon Suite 1900 Mrs. Anne-Marie Legendre-Lizotte 340 Albert Street Mr. W. David Rankin Ottawa, Ontario Osler, Hoskin & Harcourt LLP K1R 7Y6 Suite 2100 1000 de la Gauchetière Street West Montréal, Québec H3B 4W5 Tel.: 514 904-8100 Tel.: 613 787-1009 Fax: 514 904-8101 Fax: 613 235-2867 [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] Counsel for the Banks Agent for the Banks Mr. Sylvain Deslauriers Mr. Alberto Martinez Deslauriers & Co., Attorneys s.a. 7th Floor 1100 des Canadiens de Montréal Av. West Montréal, Québec H3B 2S2 Tel.: 514 878-0303 (Mr. Deslauriers) Tel.: 514 878-0305 (Mr. Martinez) Fax: 514 878-0018 [email protected] [email protected] Counsel for the Banks Mr. Stephen Walter Hamilton Ms. Julie Girard Stikeman Elliott LLP 40th Floor 1155 René-Lévesque Blvd. West Montréal, Québec H3B 3V2 Tel.: 514 397-3055 (Mr. Hamilton) Tel.: 514 397-2440 (Ms. Girard) Fax: 514 397-3222 [email protected] [email protected] Counsel for the Banks - 5 - Mr. Bruce W. Johnston Ms. Moira Dillon Mr. Philippe H. Trudel Supreme Law Group Trudel & Johnston Suite 900 Suite 90 275 Slater Street 750 Côte de la Place d’Armes Ottawa, Ontario Montréal, Québec, H2Y 2X8 K1P 5H9 Tel.: 514 871-8385 Tel.: 613 691-1224 Fax: 514 871-8800 Fax: 613 691-1338 [email protected] [email protected] [email protected] Counsel for Agent for Réal Marcotte and Bernard Laparé Réal Marcotte and Bernard Laparé Mr. André Lespérance Lauzon Bélanger Lespérance Inc. Suite 100 286 Saint-Paul Street West Montréal, Québec H2Y 2A3 Tel.: 514 844-4646 Fax: 514 844-7009 [email protected] Counsel for Réal Marcotte and Bernard Laparé Mr. Peter Kalichman Mr. Guy Régimbald Mr. Mathieu Bouchard Gowling Lafleur Henderson LLP Ms. Catherine McKenzie 26th Floor Irving Mitchell Kalichman LLP 160 Elgin Street 2 Place Alexis Nihon, Suite 1400 Ottawa, Ontario K1P 1C3 3500 De Maisonneuve Blvd. West Montréal, Québec H3Z 3C1 Tel.: 514 935-4460 Tel.: 613 786-0197 Fax: 514 935-2999 Fax: 613 563-9869 [email protected] [email protected] [email protected] [email protected] Counsel for Sylvan Adam Agent for Sylvan Adams - 6 - Mr. Jean-François Jobin Mr. Pierre Landry Mr. Francis Demers Noël & Associés Mr. Samuel Chayer 111 Champlain Street Bernard, Roy et Associés Gatineau, Québec Suite 8.00 J8X 3R1 1 Notre-Dame Street East Montréal, Québec H2Y 1B6 Tel.: 514 393-2336 Tel.: 819 771-7393 Fax: 514 873-7074 Fax: 819 771-5397 [email protected] [email protected] [email protected] [email protected] Counsel for Agent for Attorney General of Québec Attorney General of Québec Mr. Marc Migneault Mr. Pierre Landry Allard, Renaud et Associés Noël & Associés Suite RC 11 111 Champlain Street 100 Laviolette Street Gatineau, Québec Trois-Rivières, Québec J8X 3R1 G9A 5S9 Tel.: 888 672-2556 Ext. 3426 Tel.: 819 771-7393 Fax: 819 371-6489 Fax: 819 771-5397 [email protected] [email protected] Counsel for Agent for Le Président de l’Office de la Le Président de l’Office de la protection du consommateur protection du consommateur Ms. Nancy E. Brown Mr. Robert E. Houston, Q.C. Attorney General of British Columbia Burke-Robertson LLP P.O. Box 9280 Stn Prov Govt Suite 200 1001 Douglas Street 441 MacLaren Street Victoria, British Columbia Ottawa, Ontario V8W 9J7 K2P 2H3 Tel.: 250 356-5597 Tel.: 613 236-9665 Fax: 250 356-9154 Fax: 613 235-4430 [email protected] [email protected] Counsel for Agent for Attorney General of British Columbia Attorney General of British Columbia - 7 - Attorney General of Ontario Mr. Robert E. Houston, Q.C. Burke-Robertson LLP Suite 200 441 MacLaren Street Ottawa, Ontario K2P 2H3 Tel.: 613 236-9665 Fax: 613 235-4430 [email protected] Agent for Intervener Attorney General of Ontario Attorney General of Alberta Mr. Henry S. Brown, Q.C. Gowling Lafleur Henderson LLP Suite 2600 160 Elgin Street Ottawa, Ontario K1P 1C3 Tel.: 613 233-1781 Fax: 613 788-3433 [email protected] Mr. John B. Laskin Ms. Patricia J. Wilson Torys LLP Osler, Hoskin & Harcourt LLP 3000 Maritime Life Tower, TD Centre Suite 1900 79 Wellington Street West 340 Albert Street Toronto, Ontario Ottawa, Ontario M5K 1N2 K1R 7Y6 Tel.: 416 865-7317 Tel.: 613 787-1009 Fax: 416 865-7380 Fax: 613 235-2867 [email protected] [email protected] Attorney for the Canadian Bankers Agent for the Canadian Bankers Association Association - i - TABLE OF CONTENTS DESCRIPTION OF DOCUMENTS Page ATTORNEY GENERAL OF CANADA’S FACTUM PART I – CONCISE OVERVIEW OF THE POSITION AND STATEMENT OF FACTS .............................................. 1 Overview .............................................. 1 Statement of facts .............................................. 3 a. Background of these cases .............................................. 3 b. Statutory schemes at issue .............................................. 4 i) The Consumer Protection Act and the CPA Regulations .............................................. 4 ii) The federal legislation at issue .............................................. 5 c. Judgments of the Superior Court .............................................. 7 d. Judgments of the Court of Appeal .............................................. 8 PART II – ISSUES .............................................. 9 PART III – SUBMISSIONS ............................................ 10 I The provisions at issue are constitutionally inapplicable by reason of the doctrine of interjurisdictional immunity ............................................ 10 a. The doctrine of interjurisdictional immunity ............................................ 10 b. Federal jurisdiction over banking and the exercise of this jurisdiction by Parliament ............................................ 12 c. Consumer protection in banking legislation ............................................ 15 – Legislative History ............................................ 15 d. The regulation of lending is at the core of Parliament’s jurisdiction over banking ............................................ 19 - ii - TABLE OF CONTENTS DESCRIPTION OF DOCUMENTS Page e. The provisions at issue impair Parliament in the exercise of its exclusive jurisdiction over banks and banking ............................................ 22 f. This case does not affect the common law ............................................ 26 II. The provisions at issue are constitutionally inoperative by reason of the doctrine of federal paramountcy ............................................ 27 a. The doctrine of federal paramountcy – general principles ............................................ 27 b. There is a conflict of purpose: the provincial legislation frustrates the purpose of the federal framework ...........................................
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