New laws to regulate consumer loans and lines of credit that meet the definition of a “high-cost credit product” will come into effect in Manitoba on September 1, 2016. After this date, a consumer lender who offers, arranges or provides a high-cost credit product in Manitoba will be subject to licensing, disclosure, record-keeping and other requirements that are similar, in some respects, to the requirements under payday lending laws. The new laws represent a significant departure from the harmonized cost of credit disclosure laws that apply in many other jurisdictions, including Manitoba, that would otherwise apply to these types of credit products.
Employers are increasingly drafting and implementing bring-your-own-device (BYOD) policies for their employees. And they should be, since employees are increasingly using their personal digital devices—phones, tablets, laptops—to perform work, both in and out of the workplace. But employees may have trouble trusting their employers to stay out of their personal information...
By now, countless businesses have had to address some issue relating to an employee using her or his personal digital device for work purposes (“bring your own device” or BYOD). An employee wants to access the office wireless network on her laptop so she can work while away from her desk; another wants to store and view work documents on his tablet; another just wants to check her work email from her smartphone. These are just a few of the many ways workers are using personal digital devices to perform work-related tasks.
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