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Consumer Trends Report – Chapter 7: Consumer Debt: References

Chapter 7 – References

  • Braucher, Jean. 1999. "Options in Consumer Bankruptcy: An American Perspective," Osgoode Hall Law Journal, Vol. 37, Nos. 1 and 2.
  • Brighton, J. W., and J. A. Connidis. 1982. "Consumer Bankrupts in Canada" (CCA Ottawa, 1982), as quoted in Ziegel et al. 1996, "Consumer Bankruptcies and Bill C-5: Five Academics Claim the Bill Turns the Problems on their Head," National Insolvency Review, Vol. 13, No. 6.
  • Buckland, Jerry, and Thibault Martin. 2003. The Rise of Fringe Financial Services in Winnipeg's North End: Client Experiences, Firm Legitimacy and Community-Based Alternatives, report prepared by the Winnipeg Inter-City Research Alliance, the Social Sciences and Humanities Research Council of Canada, and the Canada Mortgage and Housing Corporation (August 2003).
  • Canada NewsWire. 2003, RBC Royal Bank Introduces No Down Payment Mortgage, press release (December 22, 2003).
  • CanEquity. 2004. No Money Down Mortgage, available at
  • CardTrak Online. 1997. Canadian Card Usage (results based on the American Express Financial Responsibility Survey, by Decima Research, November 19, 1996).
  • CBA, Canadian Bankers Association. 2003. Credit Card Statistics – VISA and Mastercard, available at
  • Chmiel, Ilona. 2002. Consumer Bankruptcies: Key Contributing Factors (Update), prepared by Infometrica Ltd. for the Office of Consumer Affairs (March 2002).
  • CMHC, Canada Mortgage and Housing Corporation. 1998. Five Percent Down Payment Expands Home Buying Options for Canadians, press release (March 31, 1998).
  • CMHC, Canada Mortgage and Housing Corporation. 2004. Finding Down Payments Just Got a Lot Easier, press release (February 23, 2004).
  • Equifax Canada. 2003. Frequently Asked Questions, available at faqs_e.html
  • Frenken, Hubert. 1998. "The RRSP Home Buyers' Plan," Perspectives on Labour and Income, Statistics Canada Cat. No.75-001 (Summer 1998).
  • Industry Canada, Office of Consumer Affairs. 1997. "What are Current Attitudes Toward Bankruptcy?" Consumer Quarterly, Vol. 2, No. 4 (October 1997), based on Schwartz, Saul, and Leigh Anderson. 1998. An Empirical Study of Canadians Seeking Personal Bankruptcy Protection, unpublished research, Carleton University, School of Public Administration (January 1998).
  • Ipsos-Reid. 2003a. Debt Loads are Growing Faster Than Assets: Is Financial Stress on the Rise for Canadian Households? press release (May 29, 2003).
  • Ipsos-Reid. 2003b. Canadians' Financial Goals and How They Plan on Achieving Them, press release (February 26, 2003).
  • Ipsos-Reid. 2003c. Canadians Paying Off Debt, press release (December 16, 2003).
  • Léger Marketing. 2002. A Study About the Financial Situation and Lifestyles of Canadians Who Have Declared Bankruptcy Between January 1, 1996 to December 31, 1998, for l'Association coopérative d'économie familiale du Nord de Montréal (January 2002).
  • Lott, Sue, and Michael Grant. 2002. Fringe Lending and "Alternative Banking": The Consumer Experience, Public Interest Advocacy Centre (November 2002).
  • Millward Brown Goldfarb. 2003. Consumer Trendz 2003. Vol. 2.
  • Money Mart. 2003. Our History, available at
  • O'Neill, Tim. 1998. A Primer on Canadian Bankruptcies, Bank of Montreal Economic Analysis (February 1998).
  • Parliament of Canada. 1995. House of Commons Debates, 1st Session, 35th Parliament, Vol. 135, No. 256 (Tuesday November 7, 1995).
  • Ramsay, Iain. 2000. Access to Credit in the Alternative Consumer Credit Market, report prepared for Industry Canada, Office of Consumer Affairs.
  • Scotiabank. 2004. Record Levels of Indebtedness Leave North American Households Vulnerable to Any Significant Reversal in Economic Fortunes, Say Scotiabank Economists, Scotiabank press release (January 5, 2004).
  • U.K. Task Force on Tackling Overindebtedness. 2003. Second Report of the Task Force on Tackling Overindebtedness (January 2003).
  • Ziegel, Jacob S., Vaughan Black, Ronald Cuming, Elizabeth Edinger and Iain Ramsay. 1996. "Consumer Bankruptcies and Bill C-5: Five Academics Claim the Bill Turns the Problems on their Head," National Insolvency Review, Vol. 13, No. 6, Butterworths Canada Ltd.
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