B.C. consumers will benefit from stronger tools to protect against credit-related fraud and to support confident financial decision-making, with the introduction of the second phase of amendments to modernize consumer protection laws.

“These changes will help consumers take control of their financial health and protect British Columbians against credit fraud and misleading business practices,” said Niki Sharma, Attorney General. “We’re continuing to modernize our laws to reflect the realities of today’s marketplace and ensure consumers have the tools they need to make informed financial decisions.”

If passed, the new amendments will:

• help consumers access their credit report and score monthly for free and set up security alerts and credit freezes free of charge, providing more people with control of their critical financial information;
• create new rules for credit-reporting agencies and credit-repair businesses to ensure their services are being delivered to consumers accurately and transparently; and
• create new roadblocks to help protect against identity and credit fraud, making it harder for fraudsters to open credit card accounts or take out loans.

The proposed legislative changes will update the Business Practices and Consumer Protection Act (BPCPA), the Personal Information Protection Act (PIPA), and the Motor Dealer Act (MDA), building on the first phase of reforms passed in March 2025.

“These changes will give people stronger control over their credit information and the ability to make confident financial decisions,” said Diana Gibson, Minister of Citizens’ Services. “Removing barriers people face when accessing and correcting credit information is important for their financial security.”

The credit-related protections bring B.C. in line with other consumer-protection laws in place across Canada, such as in Quebec and Ontario.

These amendments were developed based on industry and stakeholder engagement and consultation, including input from consumer-advocacy groups. The Province will continue to work with Consumer Protection B.C. and stakeholders to support a smooth transition and ensure businesses have time to adjust their practices.

These amendments are part of government’s work to protect consumers, including newcomers and people with lower incomes or disabilities, and build a fairer marketplace that works for all people in British Columbia.