Finance Law and Banking Law

A recent Canadian case serves as an important reminder that title‑retention or reservation‑of‑title clauses – commonly found in conditional sales contracts – constitute security interests that must be registered under the applicable Personal Property Security Act (PPSA). Failure to register and perfect such a security interest exposes a financier to the risk that the financed goods will be subject to the claims of the purchaser’s prior secured creditors.

Not all guarantees are created equal. There is considerable confusion amongst mortgage lenders when structuring a mortgage loan highlighted by a recurring tendency to insist...

Le 26 mars 2026, le projet de loi C-12, la Loi visant à renforcer le système d'immigration et la frontière du Canada (le « projet de loi »), a reçu la sanction royale.