Perspectives Newsletter

Perspectives Newsletter

In this issue...

  • Reminder for Certain Retail Payment Service Providers: Register by November 15, 2024 before the 15-day RPAA Application Window Closes
  • The Pharmacare Act Receives Royal Assent
  • Health Canada: Changes to the Cosmetic Regulations
  • According to the Court of Québec, a Debt Partially Recovered through a Letter of Credit cannot be the Subject of a QST Adjustment for a Bad Debt
  • Smaller Isn’t Simpler: The Special Challenges of Midmarket Transactions

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Banking & Finance

Reminder for Certain Retail Payment Service Providers: Register by November 15, 2024 before the 15-day RPAA Application Window Closes

Ramandeep K. Grewal, Meaghan Obee Tower, Irena Ninkovic

Canada’s new Retail Payment Activities Act, which governs Payment Service Providers, requires registration with the Bank of Canada within a registration window that runs from November 1, 2024 to November 15, 2024. The BoC will review applications for registration and will publish its registration decisions after the transition period, which ends on September 7, 2025. Read more


Life Sciences & Healthcare

The Pharmacare Act Receives Royal Assent

Sara Zborovski, Ian Trimble, Sandra Elashmouny

On October 10, 2024, Canada’s Bill C-64, An Act respecting pharmacare (the “Pharmacare Act”) received Royal Assent. This legislation establishes a framework for a national universal pharmacare system, aiming to enhance the accessibility and affordability of prescription drugs and related products for all Canadians.?Read?More

Health Canada: Changes to the Cosmetic Regulations

Ian Trimble, Sara Zborovski, Sandra Elashmouny

The Regulations Amending Certain Regulations Concerning the Disclosure of Cosmetic Ingredients (SOR/2024-63) (the “Amended Cosmetic Regulations), published on April 24, 2024, took effect on October 9th (with the exception of fragrance allergen disclosure provisions, which will come into effect on April 12, 2026). While primarily affecting cosmetic manufacturers, these amendments to the Regulations also require retailers to ensure compliance for the products they sell. All stakeholders in the cosmetic industry should review the Amended Cosmetic Regulations, as they include minor adjustments to regulatory requirements that could impact a wide range of personal care products. Read?More


Tax

According to the Court of Québec, a Debt Partially Recovered through a Letter of Credit cannot be the Subject of a QST Adjustment for a Bad Debt

Jean-Guillaume Shooner

In a decision rendered on September 6, 2024, the Honourable Daniel Bourgeois, writing for the Court of Québec, held that the deduction for bad debt in calculating the net tax prescribed by section 444 of the Act respecting the Québec sales tax could not be claimed by the supplier on an amount it had previously recovered through a letter of credit given by the debtor as a guarantee. Read?More


Mergers & Acquisitions

Smaller Isn’t Simpler: The Special Challenges of Midmarket Transactions

Mario Nigro

In this episode of "Views from the Market", our Midmarket M&A and private equity podcast, Stikeman Elliott's Mario Nigro speaks with Nick Rotundo and Claudio Martellacci from Grewal Guyatt LLP. Claudio and Nick discuss the unique aspects of working with mid-market companies, emphasizing their valuation specialization, one aspect of Grewal’s comprehensive advisory services in this space. They highlight the differences between low/mid-market deals and big Bay Street deals, noting that the former can often be more challenging because of owner-operators’ deep financial and emotional stakes in their businesses. The guests also share insights into current trends, such as a growing pool of ex-tech industry employees with cash to buy existing businesses that are ripe for technological upgrades. Listen to the podcast


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