The Consumer Reporting Act - Proposals Under Consideration for Providing Access to Security Freezes, Credit Scores and Reports

Regulation Number(s):
Instrument Type:
Bill or Act:
Consumer Reporting Act
Summary of Proposal:
The Ministry of Government and Consumer Services is considering changes that could help improve and clarify the Consumer Reporting Act, so that consumers can benefit from additional tools and protections, and consumer reporting agencies (often called credit bureaus) are able to implement the rules effectively.

The consultation paper explains proposals under consideration related to the following topics:

Consumer Reports and Scores
1. Options for Disclosing a Consumer Report or Current Score
2. Providing a Current Score to Consumers
3. Disclosing Past Scores
4. Contact Information

Additional Tools for Consumers
1. Explanatory Statements
2. Right of Action

Security Freezes
1. Access during a Security Freeze
2. Placing, Suspending or Terminating a Security Freeze


We welcome your responses to consultation questions and any additional comments or suggestions you wish to offer. Please provide examples or evidence to support your suggestions where possible.

You may download this paper and submit your completed responses by email to or by mail to the address provided.
Analysis of Regulatory Impact:
Further Information:
Proposal Number:
Posting Date:
February 10, 2021
Comments Due Date:
March 15, 2021
Contact Address:
ATTN: Consumer Reporting Act Consultation
Consumer Policy and Liaison Branch
Ministry of Government and Consumer Services
56 Wellesley Street West - 6th Floor
Toronto, ON, M7A 1C1